vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-31 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: MD

Complaint narrative:
EQUIFAX. 
Your ineptitude couldn't be any more evident in your failure to read my complaint and that complaint is explicit that XXXX XXXX XXXX ALLOWED A CHECKING ACCOUNT AND SAVINGS ACCOUNT TO BE FRAUDULENTLY OPENED... and you... I don't have a word for you that I can type in this complaint have flagged by XXXX XXXX car loan from 2018 which is an account in good standing and paid in full. And using the same word I can't type here, you also flagged my legitimate XXXX XXXX  CREDIT CARD Accounts. 

YOU WILL NOW RESPOND TO MD AND NY ATTORNEY GENERAL 'S OFFICES. Your display of ineptitude is just beyond my ability to deal with, so I will leave it to those whom you actually have to respond to vs the bogus responses you provide ( d ) on the CFPB complaint portal allowing you to punt responsibility. 

PUT THE XXXX IDENTITY THEFT FLAG BACK ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: AZ

Complaint narrative:
I sent an Affidavit of Truth to TransUnion suing for hard inquiries that were on my report. These are incorrect and they were never given my written permission to furnish the information and it has caused my reputation and life harm. The letter was received on XX/XX/2021 and the hard inquiries are still on my credit report as of today, 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 2021-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: RI

Complaint narrative:
My prior complaint was closed and was not resolved so I am filing another one. My prior complaints was COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Mortgage ISSUE Struggling to pay mortgage I just got 2 letters from Selene Finance mortgage company. One was dated XX/XX/XXXX and said that I am behind on my mortgage and to contact them for assistance. WHAT A JOKE!!! I also got a letter dated XX/XX/XXXX and this one notes that they got my documents on XXXX. If that is the case, why are they sending me another letter on XX/XX/XXXX telling me to contact them for help. HUH?? 

I was given 8 days to provide additional documentation. It sates in the letter that I should have my items back to them by the XXXX XXXX XXXX!! Today is the XXXX just got the letter in my mailbox today!!! When I attempted to phone them to discuss the matter there was no answer. The message said the office was closed and then proceeded to tell me the hours they were open. They state they are open until XXXX today I called at XXXX and they were closed! So, now I will not be able to speak to someone there until at least the XXXX of XXXX!!!! How am I supposed to gather the information by the XXXX when I didnt even get the letter until the XXXX? They also say I can make an appointment with my single point of contact, who they list as someone named, XXXX XXXX as that person. They only have one number listed for every single department!! Its the same XXXX number for everything! This company is predatory and is trying to take advantage of my situation! This is abhorrent and unacceptable. They also list items that I have sent them and the list is inaccurate and it states they are valid until an expiration date that doesnt exist. Why does this company pretend to be helping me??? They have been the worst to deal with and are not helpful at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a statement from Wells Fargo telling me that I have a new account. That was started on XX/XX/XXXX. I called them right away to claim that this is fraud and that I NEVER opened a checking or savings account with Wells Fargo. 

I asked them to cancel the account. Now I have a letter dated XX/XX/XXXX telling me that they can not close the account due to a bank restriction. It is their bank! 

What is going on? Are they back to the old tricks of opening accounts for people without permission?

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 2021-12-31 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: Consolidated Information Services Solutions, LLC
State: PA

Complaint narrative:
unauthorized Activity date : XX/XX/2021, Unauthorized credit inquiry, upon checking my 3 credit reports on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: MI

Complaint narrative:
Hello To Whom It May Concern, I must admit its very frustrating to have to have large companies just refuse to fix the problem in a such a high handed way. As TRANSUNION, And XXXX are refusing to remove the following public record from my credit report. 
XXXX XXXX Bankruptcy Case Number : XXXX Ive been disputing this matter since XX/XX/2021. From XXXX 2021 the companies TRANSUNION, and XXXX has claimed the public record, XXXX  XXXX bankruptcy was verified by a company named XXXX. they mentioned I needed to conduct my own investigation., After doing my own investigation from XXXX 2021, XXXX agreed the XXXX XXXX Bankruptcy was not verified and, According to the FCRA law, the Bankruptcy was not verified in a timely matter, and was no longer accurate. It needed to be deleted immediately by all CREDITORS REPORTING THE INACCURATE ACCOUNT. I have provided the companies TRANSUNION, and XXXX over and over with DOCUMENTATION stating the XXXX XXXX  bankruptcy is not verified by XXXX, and needs to be deleted, Nor does the Bankruptcy Court report to Credit Bureaus. 

TRANSUNION and XXXX are disregarding my documents from XXXX, and the bankruptcy court. As they are choosing to still report the inaccurate XXXX  XXXX Bankruptcy. Although XXXX has DELETED the inaccurate information. Transunion and XXXX are causing deformation of my character as Im unable to get approved for new lines of credit and if approved for credit theres a high interest rate to pay. Ive filed complaint after complaint Im not sure what else to do. Ive been denied employment due to TRANSUNION and XXXX continuing to report a inaccurate XXXX  XXXX Bankruptcy on my credit report. The companies TRANSUNION and XXXX needs to stop giving me and XXXX a hard time disputing the bankruptcy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-31 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: LEXISNEXIS
State: MI

Complaint narrative:
Hello To Whom It May Concern, I must admit its very frustrating to have to have large companies just refuse to fix the problem in a such a high handed way. As XXXX, And XXXX are refusing to remove the following public record from my credit report. 
XXXX XXXX Bankruptcy Case Number : XXXX Ive been disputing this matter since XX/XX/2021. From XXXX 2021 the companies XXXX, and XXXX has claimed the public record, XXXX XXXX bankruptcy was verified by a company named LEXISNEXIS. they mentioned I needed to conduct my own investigation., After doing my own investigation from XXXX 2021, LEXISNEXIS agreed the XXXX XXXX Bankruptcy was not verified and, According to the FCRA law, the Bankruptcy was not verified in a timely matter, and was no longer accurate. It needed to be deleted immediately by all CREDITORS REPORTING THE INACCURATE ACCOUNT. I have provided the companies XXXX, and XXXX over and over with DOCUMENTATION stating the XXXX XXXX  bankruptcy is not verified by LEXISNEXIS, and needs to be deleted, Nor does the Bankruptcy Court report to Credit Bureaus. 

XXXX and XXXX are disregarding my documents from LexisNexis, and the bankruptcy court. As they are choosing to still report the inaccurate XXXX XXXX Bankruptcy. Although XXXX has DELETED the inaccurate information. XXXX and XXXX are causing deformation of my character as Im unable to get approved for new lines of credit and if approved for credit theres a high interest rate to pay. Ive filed complaint after complaint Im not sure what else to do. Ive been denied employment due to XXXX and XXXX continuing to report a inaccurate XXXX  XXXX Bankruptcy on my credit report. The companies XXXX and XXXX needs to stop giving me and LexisNexis a hard time disputing the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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:
I have been a victim of identity theft for about 5 years now, my information was leaked during the XXXX breach. I have disputed the items that are fraudulent on my credit report 3 times with all 3 bureaus and they all do the same thing. They open a dispute and close it within a DAY! Sometimes its closed within the hour! They DO NOT INVESTIGATE! Investigations take time and require a human being look over the evidence, which has never happened in my case. I have sent in the identity theft reports, police reports, and recently their were 2 individuals arrested with my stolen information and items. I sent them this evidence as well and it has gone unrecognized. Its beyond frustrating! The items that need deleted from my report that have DESTROYED MY GOOD CREDIT, are XXXX, XXXXXXXX XXXX XXXX  and XXXX. I will upload all the evidence on this 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 2021-12-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC
State: NY

Complaint narrative:
XXXX Applied for loan via online website. Loan was approved with the following terms : Amount financed- {$4500.00} Term- 36 months APR- XXXX XXXX was to be automatically debited from my account each month. So at the end of the 36 month term I would have paid a few dollars shy of {$6000.00}. This would be about at extra {$1700.00} ( since the origination fees brought my actual deposit amount down to {$4200.00} ). 

( I have attached screenshots of all the above terms ). 

XXXX AFTER I received my approval and the money was deposited. I was given the opportunity to look at my account ( this option is not available before the money is deposited ) It is then that I see there will a DAILY accrual interest rate of {$2.00}. Which would meant at the end of the loan I would have paid an extra {$2600.00}. I was never made privy to this. 

XXXX I called a XXXX rep who transferred me to the verification office. 
I have documented a verification rep saying I dont even see a daily accrual as per of your terms so she transferred me back to someone who works in approvals who proceeded to incorrectly explain how math works. 

When I told him to crunch the numbers and see for himself, he at first said my loan is 23.4 % ( incorrect ) I asked him was the interest rate increased in the 48 hours from loan origination to deposit, because that was not on any of the documentation I have. 

He then admitted I was correct as far as the APR but had no answer as to why it was higher. 

He transferred me to another rep, I explained the situation to her and she said to hold so she could consult her superior, she came back on the line and I asked what would be done, she then immediately disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible

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 2021-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit repair company XXXX completed a credit repair on 4 accounts that were already closed accounts and showing as closed on Equifax credit report. 
The accounts were from the following creditors ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After the dispute was completed these accounts which were charged off and closed prior to the dispute are now all showing open. 
This change from closed to open devastated my credit scores and resulted in me not being able to purchase a home due to Equifax reporting. 

I attempted to contact equifax to inform them that their report is now showing charged off accounts as now open and this needed to be fixed. 

Equifax was very difficult to get in touch with and I was hung up on by many representatives in getting this issue resolved ( believe due to poorly trained associates ). 

I explained to the supervisors on XXXX and XX/XX/2021 that I couldnt understand how is it possible for all 4 creditors to all of sudden update all of these previously closed and charged off accounts to open status.? 
However, all of the representatives at Equifax insisted I had to open another dispute with all 4 creditors to update the account statuses back to closed. 

I also spoke with a manager at Equifax on XX/XX/2021 and asked if they could assist me in calling the creditors to validate the accounts as being closed but they refused to assist in this way and they informed me that Ill have to wait until the dispute resolve which could take up to 30 days. 

I also contacted all 4 creditors and they informed me that they were reporting the accounts as charged off and/or closed and that I needed to speak with Equifax. 

As a consumer, it is very frustrating and detrimental to my financial future when creditors and credit bureaus dont reflect accurate information and the consumer is caught in the middle with delays after delays and more delays. 

I am also considering legal action against Equifax for this issue. 

I also advised Equifax that XXXX Equifax data was accurately showing these 4 accounts on XX/XX/2021 as closed, so why is XXXX correct but not Equifax???

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2020 I filed for my XXXX and was granted benefits. Shortly after I became employed and was getting paid every week. I forgot about the XXXX claim due to my focus on work. 
Around XXXX time my family was talking. About XXXX fraud and I remembered that I had never received my card so I asked my landlord for any mail if any that he may have still been retaining. He said no and therefore I called bofa bank of America to see what was the status on my account. I learned that my XXXX had been activated and drained of all my benefits. And not only that but they were certifying for future benefits.. I put a stop to the card and I filed a. Claim for fraud they asked me to file a police report and so I did They denied my claim. And I gave up on ever seeing the money I couldn't worry about a maybe as far as income goes so I just focused in work

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 2021-12-31 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: AZ

Complaint narrative:
What happened? 
XX/XX/2021, I filed a complaint with the CFPB that 2 years ago Equifax dropped my credit from XXXX which corresponded with Equifax XXXX losing '' several active lines that the other two major credit companies ( XXXX and XXXX XXXX have a record of. Equifax responded to CFPB complaint on XX/XX/2021 Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. '' CFPB XX/XX/2021 closed my complaint with Equifax " status-company responded on XX/XX/2021. '' To my knowledge, Equifax has done nothing to correct Equifaxs " thin file '' credit line deficiencies. 
I have sent several certified letters over the past 1 1/2 years to try to have Equifax correct their " thin file ' i.e. listing only two active sources of credit and ignoring the multiple other satisfactory credit lines maintained by me that the other two major credit companies ( XXXX and XXXX ) have a record of. I can find no way to resolve this issue with Equifax. I have sent Equifax copies of my active mortgage which they ignore. I have sent Equifax other credit files which Equifax ignores. My suspicion is I am talking to a computer and all responses regarding my situation is computer-generated with pre-canned responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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:
I have been a victim of identity theft for about 5 years now, my information was leaked during the XXXX breach. I have disputed the items that are fraudulent on my credit report 3 times with all 3 bureaus and they all do the same thing. They open a dispute and close it within a DAY! Sometimes its closed within the hour! They DO NOT INVESTIGATE! Investigations take time and require a human being look over the evidence, which has never happened in my case. I have sent in the identity theft reports, police reports, and recently their were 2 individuals arrested with my stolen information and items. I sent them this evidence as well and it has gone unrecognized. Its beyond frustrating! The items that need deleted from my report that have DESTROYED MY GOOD CREDIT, are XXXX, XXXX XXXX XXXX and XXXX. I will upload all the evidence on this 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 2021-12-31 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:
I have been a victim of identity theft for about 5 years now, my information was leaked during the Equifax breach. I have disputed the items that are fraudulent on my credit report 3 times with all 3 bureaus and they all do the same thing. They open a dispute and close it within a DAY! Sometimes its closed within the hour! They DO NOT INVESTIGATE! Investigations take time and require a human being look over the evidence, which has never happened in my case. I have sent in the identity theft reports, police reports, and recently their were 2 individuals arrested with my stolen information and items. I sent them this evidence as well and it has gone unrecognized. Its beyond frustrating! The items that need deleted from my report that have DESTROYED MY GOOD CREDIT, are XXXX, XXXXXXXX XXXX XXXX and XXXX. I will upload all the evidence on this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I recently saw some judgement on a title search. This company ( Midland Funding ) has no rights to any debt ; since they've never been a creditor of any debt I have. I believe they are in violation of the Fair Credit Reporting Act. I never received proper notice ( process of service ) via certified mail, process server, or sheriff server. I contacted the court about this matter. They stated there isn't any ( proof of service ) on file. For this reason, we will be requesting that a judge accept a motion to vacate this illegally obtained judgement. Midland Funding is not the original debtholder ( creditor ). I'd like to know where Midland funding obtained this debt. I was never properly served with the debt. Therefore, I don't know what this judgment is for. I would like a full transaction history, charge offs from previous holders of this debt, payoffs, it seems a bit suspicious that somehow, they obtained whatever this debt is, and I receive no proof of it. I would like to request the court/judge vacate, dismiss this judgement and have the creditor start the process over and serve documents with ( proof of service ). I would like to know the original debt holder so I can speak with them directly and possibly settle, make arrangements to pay any debts, if it is actually proven to be my debt. Can the CFPB investigate Midland Funding, to make sure they are operating within the law ( with obtaining any charged off debts )? I have reached out to the attorneys for Midland Funding who are collecting on their behalf. I requested proof of the debt ( from the original creditor ). They have not provided this information to me.

Company response to consumer: Closed with explanation