vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/2021, XXXX XXXX XX/XX/2021 I mailed Transunion with a letter from the US District Court stating that they do not report anything to the credit bureaus. Transunion has not replied with any names or contact information for who they have verified this XXXX with. This reporting is illegal under 15 USC 1692E and 15 USC 1681b. It has been over 90 days with no response from Transunion.

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 2022-01-10 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:
XXXX placed inquiries that do not belong to me on my consumer profile. 
please remove immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10 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:
Hello all I am having an issue with the XXXX credit bureaus. First and foremost theyre showing multiple accounts on my credit report that were included in bankruptcy as derogatory accounts with balances! This is incorrect reporting on my consumer reports! They say that creditors came back and verified this information as accurate, how could that be if it was discharged in my bankruptcy? It should show discharged with a {$0.00} balance! The refusal of updating the information is a violation of the bankruptcy discharge injunction prohibiting creditors from trying to collect on these debts. The negative remarks is causing my credit to remain stagnant. This is a violation of my consumer rights, and it is against the law to report such information on my credit report. I have tried to fix this issue with each bureau, however, they have refused to correct this information. Also, how can something go from reporting as ok to an automatic charge-off because bankruptcy was filed? This is against the law and is being reported inaccurately. Also theyre reporting my student loans as being 90 days late, however, I was never late! I was never XXXX nor 60 days for entries to be marked on my credit report as 90 days late only. This is incorrect reporting and is also against the law. Theyre also reporting my bankruptcy incorrectly, each bureau has a different filing date as well as a different discharge date, per the FCRA this is incorrect reporting as each bureau must report IDENTICAL INFORMATION in which theyre not doing and this is a violation of the FCRA!

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 2022-01-10 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:
Hello all I am having an issue with the 3 credit bureaus. First and foremost theyre showing multiple accounts on my credit report that were included in bankruptcy as derogatory accounts with balances! This is incorrect reporting on my consumer reports! They say that creditors came back and verified this information as accurate, how could that be if it was discharged in my bankruptcy? It should show discharged with a {$0.00} balance! The refusal of updating the information is a violation of the bankruptcy discharge injunction prohibiting creditors from trying to collect on these debts. The negative remarks is causing my credit to remain stagnant. This is a violation of my consumer rights, and it is against the law to report such information on my credit report. I have tried to fix this issue with each bureau, however, they have refused to correct this information. Also, how can something go from reporting as ok to an automatic charge-off because bankruptcy was filed? This is against the law and is being reported inaccurately. Also theyre reporting my student loans as being 90 days late, however, I was never late! I was never XXXX nor 60 days for entries to be marked on my credit report as 90 days late only. This is incorrect reporting and is also against the law. Theyre also reporting my bankruptcy incorrectly, each bureau has a different filing date as well as a different discharge date, per the FCRA this is incorrect reporting as each bureau must report IDENTICAL INFORMATION in which theyre not doing and this is a violation of the FCRA!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: PNC Bank N.A.
State: DC

Complaint narrative:
I tried to close my accounts at PNC Bank in XX/XX/2021. They refunded my deposit, but would not close down my credit debit cards. See attached declaration.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.

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 2022-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2022-01-10 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: RI

Complaint narrative:
I opened a XXXX XXXX account ( stupidly ) in XXXX. It was stupid, not proud of it. I have paid for it. 
XXXX ( creditors ) have been falsely reporting it as opened in XXXX. When I call them about it, they say its a typo and tell me to just wait for it to come off When I asked the credit bureaus, specifically Experian, to please verify it, they said its verified. I asked how- being that even the creditors themselves have admitted it is incorrect information. They say we dont have to disclose to you any verifying documents. I asked, repeatedly, how they could have possibly verified the dates being that even the creditors have admitted they are wrong. They tell me take it up with the creditors. I tell them I have. Over and over again for the past year. They ignore me. 

Im at a loss. Its illegal to report inaccurate information but nobody seems to follow the law. They hang up on me, laugh in my face, tell me to just ride it out. 
I dont want to ride it out. Its against the law. Its illegal to be reporting something as XXXX when it was a stupid mistake I made as a kid. 

Experian has lied about verifying the information. They havent. They have no documents. 

This is illegal and needs to be removed from my credit report.

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 2022-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I filed XXXX XXXX Bankruptcy in XXXX of XXXX. I was assigned a XXXX payment plan with my trustee to which I successfully completed in XXXX of XXXX. My Discharge notice was filed on XX/XX/XXXX and the Ordering Closing was finalized on XX/XX/XXXX. A Bankruptcy type can either be discharged or dismissed. The difference with these types are what require either a 24 month or 48 month waiting period when applying for a conventional loan. Due to TransUnion reporting my Bankruptcy type inaccurately it is not allowing me to purchase my dream home with a conventional loan to eliminate paying PMI.

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 2022-01-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: LA

Complaint narrative:
On the morning of XX/XX/2022, I received a phone call from XXXX XXXX XXXX ( XXXX ) stating that I had an outstanding debt of {$500.00} from a payday loan with Speedy Cash that would soon be sent to collections and repaid through wage garnishment. I did " settle '' this debt and paid {$200.00} through XXXX XXXX XXXX. However, after receiving the email stating I paid my account in full, I believe this was a scam. The email address they emailed me from was not a business email, but rather a XXXX email address ( XXXX ). Additionally, I have not been able to find any evidence of a XXXX XXXX XXXX at the address provided. I have attached the document emailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: IL

Complaint narrative:
I have previously disputed with XXXX, XXXX and equifax on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
The Company closed my account due to " inactivity ''. 
Permission and/or consent to close the account ; to make a report to the XXXX. 's about my consumer transaction account history was never granted by me. In turn, they are testifying false and misleading formation. I seek all damages and remedies applicable to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Refinanced existing mortgage with Bank of America in XX/XX/XXXX. Previous mortgage ( also with Bank of America ) included both my name and my husband 's name. Indicated to loan officers verbally and in writing that I wanted both names to appear on mortgage and was told that would happen.

After refinance closed I discovered that my name was the only one on the mortgage. Was not told at any time during the mortgage application process, underwriting, or closing process that this was the case. 

Called Bank of America and spoke 3 times with loan officer ( XX/XX/XXXX ), Assumptions Department ( XX/XX/XXXX ), and Customer service ( XX/XX/XXXX ), and they could not explain why this had occurred or describe a process to rectify this error. 

I want my husband 's name to be added to the mortgage. Thank you for your assistance.

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 2022-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: NY

Complaint narrative:
This complaint is the result of an ongoing issue with the servicer of my mortgage. After making several requests for a QWR in an attempt to get the name and contact information for the holder of the note, SN Servicing Corporation refuses to provide the information. They are in direct violation of federal law for refusing to disclose the name and contact information of the company who holds my note. They have also refused to provide the contact information for the note holders legal representation, attorney XXXX XXXX. XXXX XXXX, in his response to my previous complaint, also did not leave any contact information for either himself or the holder of the note.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/2021, XXXX XXXX XX/XX/2021 I mailed Experian with a letter from the XXXX XXXX XXXX stated by the deputy clerk that they do not report anything to the credit bureaus. Experian has not replied with any names or contact information for who they have verified this XXXX with. This reporting is illegal under 15 USC 1692E and 15 USC 1681b. It has been over 90 days with no response from Experian.

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 2022-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I make two - 1/2 payments on my car a month. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I get paid twice a month. Thus the payment schedule above. I was in the process of setting this up and I did have auto pay set up with my credit Union ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), however, I discontinued this payment to set up the new process. Apparently I didn't discontinue soon enough, but I didn't know that a {$420.00} payment had been sent at that moment. And I set up the new payment plan. When I discovered the error I called both Ally Bank and XXXX to stop payment. Neither bank would do anything and they sent me back to the other institution! Frustrated, the payment went through, right before XXXX! Finally, Ally bank assured me of reimbursement. I have called them, At Least 3 more times, including today. I kept being reassured that it had been mailed out. Today I'm told that it wasn't sent out and they just applied it to my XX/XX/XXXX car payment! And since they deal with a 3rd party payment system, it would take another few weeks! I'm BEYOND FRUSTRATED AND ANGRY. I have XXXX grandchildren, a niece and nephew, who STILL haven't received their XXXX XXXX cash ( teenagers! Lol ) and, AND if I don't have my college class paid for today, I will miss my class this semester. Now I'm REALLY not happy. I feel that they need more than a slap on the wrist! The only thing this financial institution understands are big fat $ $ penalties. I feel that I deserve more than the {$420.00} that they have lied about refunding. Double it! Lol! 
Thank you, 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 explanation
Consumer complaint received 2022-01-10 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: OH

Complaint narrative:
While looking at my consumer report, I see that Equifax placed two accounts on my report without my acknowledgement. Can you help me resolve this? 

XXXX CARD # XXXX XXXX XXXX  # XXXX Attached is my ID and Passport

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have previously written letters to notify you ( Capital One ) ( XXXX ) ( XXXX ) ( XXXX XXXX ) of the innaccurate and unvalidated information. 
I recently received a copy of my ( XXXX, XXXX, XXXX XXXX ) consumer reports, and I noticed accounts reporting that are a violation of my rights. 

AS A FEDERALLY PROTECTED CONSUMER ; AS MY CONSUMER REMEDY FOR THESE WILLFUL AND NON-COMPLIANT VIOLATIONS. I DEMAND THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY. 

Capital One Credit Card Acct # XXXX Consumer Reports Reporting as Closed Account Pursuant to 15 USC 1681 a ( 2 ) ( B ) Any 15 authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be Excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which states, The term Credit Card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice, Congress said ANY card. 

The credit card is my Social Security Card. This is the credit card used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ). I am demanding that you delete these transactions from my consumer report immediately as they are a violation of my rights as a federally protected consumer under Title 15 Chapter 41.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: National Credit Adjusters, LLC
State: RI

Complaint narrative:
I opened a XXXX XXXX account ( stupidly ) in XXXX. It was stupid, not proud of it. I have paid for it. 
NCA ( creditors ) have been falsely reporting it as opened in XXXX. When I call them about it, they say its a typo and tell me to just wait for it to come off When I asked the credit bureaus, specifically XXXX, to please verify it, they said its verified. I asked how- being that even the creditors themselves have admitted it is incorrect information. They say we dont have to disclose to you any verifying documents. I asked, repeatedly, how they could have possibly verified the dates being that even the creditors have admitted they are wrong. They tell me take it up with the creditors. I tell them I have. Over and over again for the past year. They ignore me. 

Im at a loss. Its illegal to report inaccurate information but nobody seems to follow the law. They hang up on me, laugh in my face, tell me to just ride it out. 
I dont want to ride it out. Its against the law. Its illegal to be reporting something as XXXX when it was a stupid mistake I made as a kid. 

XXXX has lied about verifying the information. They havent. They have no documents. 

This is illegal and needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: PA

Complaint narrative:
On XX/XX/2021, I 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 Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten 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