vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-29 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: DE

Complaint narrative:
These inaccuracies on my credit report need to be removed and blocked from my credit file soon as possible I can not obtain any credit in my names because of this problem please have high concern of this manner it is effecting my financial life thank you EQUIFAX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I need to know from Nationstar Mortgage LLC d/b/a Mr. Cooper that when are they going to send an appraiser for my property? and when will you remove PMI from my Mortgage payment? 

I can not afford the pre pandemic payments i was making, so when are you going to do a modification? 

And it seems you have done another mistake, just recently sent me a letter which states this - " As you know, our firm represent XXXX XXXX XXXX  ( " XXXX '' ), successor by merger to XXXX XXXX XXXX XXXX XXXX, the mortgage loan servicer of your loan referenced above '' Who is " XXXX XXXX XXXXXXXX ( " XXXX '' ) '' and who is " XXXX XXXX XXXX, XXXX '' My Mortgage servicer is Mr. Cooper. What is this nonsense letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have made many attempts to reach out to Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

WELLS FARGO CARD SERVICE 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 2022-03-29 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: CA

Complaint narrative:
The accounts mentioned below that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have made many attempts to reach out to Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-03-29 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: CA

Complaint narrative:
The accounts mentioned below that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have made many attempts to reach out to Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have made many attempts to reach out to Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

NAVY FEDERAL CREDIT UNION XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: CA

Complaint narrative:
The accounts mentioned below that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have made many attempts to reach out to Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have made many attempts to reach out to Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

JEFFERSON CAPITAL SYSTEMS XXXX...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: TX

Complaint narrative:
Department store that reported the negative activity to my credit file claims and denies having any information on me and says that the responsibility is on the credit reporting agency. When I asked how the credit reporting agencies got their information, I was told they got their information from the creditor. But the creditor has no information on me at all? 

So it definitely appears that there is a situation of fraud and false testimony in this situation. 

I want to know why a major department store that has their brand of credit card issued and underwritten by a major bank can report negative comments on a person 's consumer credit report, when the person doesn't have a credit account with that department store or the bank, and then claim they have no information on the person, and then refuse to contact the credit reporting agencies to have the fraudulent information removed. 

When I am the victim of credit fraud committed by a department store/bank, why is it my responsibility to do everything to correct the problem when they can not provide any proof of any credit history with them?

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 2022-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This was not sent in error I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use 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 non-monetary relief
Consumer complaint received 2022-03-29 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: DE

Complaint narrative:
These inaccuracies on my credit report need to be removed and blocked from my credit file soon as possible I can not obtain any credit in my names because of this problem please have high concern of this manner it is effecting my financial life thank you 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 2022-03-29 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
These inaccuracies on my credit report need to be removed and blocked from my credit file soon as possible I can not obtain any credit in my names because of this problem please have high concern of this manner it is effecting my financial life thank you XXXXXXXX

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 2022-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I am XXXX XXXX XXXX and can no longer afford my mortgage. I am in a situation were I need to do a short sale. I have signed up for a program called XXXX XXXX XXXX XXXX who can help with the short sale and relocation assistance that I need. 

I have been told that Mr Copper is not letting me do a short sale to avoid a foreclosure. I understand that this file is seriously delinquent and other attempts were made. 

The file is more delinquent because of 20 months of COVID. The other attempts did not get approved because apparently the agents I hired did not know what they are doing. These are 2 factors I am not in control of. I am now working with a group that specializes in short sales and foreclosure prevention. 


I am asking for a 2nd chance to apply for a shortsale so I can relocate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have contacted capital one on several occasions regarding a loan that's on my credit report. I have advised several times that information was incorrectly listed on my credit report. I contacted Capital one in XX/XX/2021 asking for the payoff amount. I was told the amount and a check was sent. For 3 months after the check was sent it said that the card was paid off and it was reported that it was on time then XXXX through XXXX its showed late and in collections regarding XXXX so no one ever explained that XXXX was late on the account I was told the account was completely paid off in XXXX. This is really hurting my credit I advised capital one of this and they are not helping with the current situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction or removal of the erroneous information about my account has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the items that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) 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 2022-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
This complaint is against Truist. 

OVERVIEW : I'm locked out of my online account. I have no access to over $ XXXX of funds, can't issue payments, and no longer have an active debit card. 

RESOLUTION ATTEMPTS : I have spent over 10 hours on hold with Truist. The few times I've managed to speak with an XXXX  call center agent, they inform me that my issue needs to be handled by a 'specialist ' and ask if I'll go back to waiting on hold. 100 % of the time they place me back on hold the call is disconnected within 5 minutes. 

I've left dozens of voicemails and contacted Truist on every social media platform that I can. No luck. 

I stopped in 2 Truist locations and asked for assistance. All Truist employees told me that I have to call in to speak with a fraud specialist that can assist in unlocking my account. 

At one point, I told the Truist manager that I want to close my accounts and she told that I couldn't close them because the person who has authority to close accounts had gone home for the day ( this was XXXX on a Friday ). 

At this point I'm desperate for help. I have bills that were tied to my Suntrust check card that are not bouncing back. I can't withdraw money and I can't initiate online transfers. 

The only FRAUD here is TRUIST!

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 2022-03-29 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: TX

Complaint narrative:
These accounts do not belong to me, please block and remove per 15 USC 1681c-2.

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 2022-03-29 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:
These accounts do not belong to me, please block and remove per 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: TX

Complaint narrative:
These accounts do not belong to me, please block and remove per 15 USC 1681c-2.

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 2022-03-29 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: DISCOVER BANK
State: DE

Complaint narrative:
On XX/XX/XXXX I sent a letter to DISCOVER BANK requesting them to send me files regarding my account as well as file for their records a 2848 and 56 form that was included with the letter. It was in good faith that I reached out to DISCOVER BANK after learning my rights and the role of a consumer from the Consumer Credit Protection Act. 

As stated in the letter from DISCOVER BANK We are in receipt of your letter dated XX/XX/XXXX. As a result, we have decided to permanently close your Discover Card account ending in xxxx. DISCOVER BANK provided no reasoning, only a result which was obvious before I got the letter. 

After exercising my rights as a consumer under the Consumer Credit Protection Act, they discriminated against me and preformed this extreme adverse action. 

I have been a card member with DISCOVER BANK since XXXX. Every bill was paid BEFORE every due date and I referred friends and family members to this company. I was in good standing with DISCOVER BANK from the time I opened the account to even when they closed my account. 

After almost five years in business with DISCOVER BANK, I send one letter regarding my account after learning of my rights as a consumer and they discriminate against me as I exercise my right in good faith. 

On top of that, before I even knew that my account had been closed, DISCOVER BANK reported this negative activity to consumer reporting agencies to disclose on my consumer report. 

I am under stress because of DISCOVER BANKs adverse action against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction or removal of the erroneous information about my account has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the items that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XX/XX/2021 my wife wrote and mailed a check for {$500.00} to Capital One credit card. I was the primary on the card. On our next bill it said we had not paid our bill and there was a late fee and interest charge. l called and told them we sent the check well ahead of the due date just like we always have for years. I was getting nowhere so I asked for the supervisor. She claimed they had not received the check. She advised me to put a stop on the check. It cost us {$30.00} to stop it. Two days later Capital One tried to cash the check that they claimed they had not received. I called and again I talked to a supervisor that got real mouthy with me and would not listen. I wrote a letter and their response was, " I am sorry for your inconvenience, there is nothing we can do for you ''. I wrote two more letters and told them I had cut up our cards and had called and cancelled the cards. We called the number that we were supposed to and the woman kept trying to get us to take a " better card ''. After saying several times we wanted to cancel the card I asked her if she did not understand the word cancel and she claimed she canceled it. We are still getting bills and they keep adding late fees and finance charges. I have told them repeatedly i am not going to pay charges that were their fault. Also, we had a automatic payment for our phones that we canceled and put on another card. Capital One still tried to get a payment from the phone company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-29 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: AZ

Complaint narrative:
I have contacted XXXX  XXXX on several occasions regarding a loan that's on my credit report. I have advised several times that information was incorrectly listed on my credit report. I contacted XXXX XXXX in XX/XX/2021 asking for the payoff amount. I was told the amount and a check was sent. For 3 months after the check was sent it said that the card was paid off and it was reported that it was on time then XXXX through XXXX its showed late and in collections regarding XXXX so no one ever explained that XXXX was late on the account I was told the account was completely paid off in XXXX. This is really hurting my credit I advised XXXX  XXXX of this and they are not helping with the current situation.

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