vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Need TransUnion and XXXX to follow suit on item removal

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 2023-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

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 2023-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
In XX/XX/2022 I was behind on mortgage due to support payments not received. I called HSBC loss mitigation to explain but they went into pre foreclosure on my home. When I was able to make 4 months payment in XXXX XXXX the bank told me to talk with lawyer they referred the case to .The lawyer then said there was no court date scheduled make payments to bank and provided the totals. I'd sent in money to HSBC for XXXX XXXXXXXX.and they returned it saying it was now {$1600.00} in the interim of waiting for check return I sent {$3800.00} by over night mail to make the total but they wanted the lump sum. I only learned about it prior to mailing. I asked for {$3800.00} to be returned or applied to mortgage. Now I call and email but no one says anything about the XXXX XXXXThey keep telling me check back it can take 30days and further delay to make credit to account. I received a statement not applying the payment and new escrow shortage with late fees. All this red tape delay made a mountain of mess that I was trying to save my home from. The company wasn't trying to work in good faith with me and a representative said they applied my money to lawyer fees. I had no written amount of fees and didn't agree that payment was for such. This has caused stress and put my family in jeopardy, This bank hasn't acknowledged or corrected the payment or emails. Its a deceptive practice to not work with consumer but send letters of having " team support '' .from XXXX at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: LendingPoint Holdings LLC
State: FL

Complaint narrative:
I noticed when we went to buy a house and the pre-approval loan was being run, that this loan was attached to my credit report and fraudulently opened. This was in XXXX and XXXX of 2023. I immediately contacted the company via phone and at this point 8 different times via email for documentation purposes. I have only received two responses back from a XXXX, who apparently is a customer service rep. Her only communication has been to ask for my ID and a report whether it be a police report or FTC report - I sent her my ID and also the FTC Identity theft report and letter I had filed. The first communication took over 2 weeks to get. The next took me sending 3 more emails asking for followup and she did not reply with any updates. I have since heard nothing back and can not get anyone to contact me. However, it is stating that the account is not being paid on. I have requested contact again today to rectify this- so that I do not get hit with late payments on my credit report. The name is not accurate. The signature not accurate, the address wrong, and more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-08-07 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-08-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I just became aware that someone has been using my information and put fraudulent accounts in my name

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 2023-08-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Delete this account immediately XXXX XXXX XXXX XXXX XXXX XXXX - I demand {$1000.00} for each vilolation listed and found on this report. delete and pay fcra penalties immediately. Additional damages will be added otherwise. Balance missing information ( FCRA violation {$1000.00} ) Balance updated - missing information - ( FCRA violation {$1000.00} ) Recent payment - missing information ( FCRA violation {$1000.00} ) Monthly payment - missing information ( FCRA violation {$1000.00} ) Original balance - missing information ( FCRA violation {$1000.00} ) Highest balance - missing information ( FCRA violation {$1000.00} ) This account has been disputed 6 times yet this account has never been marked has disputed Report # XXXX. ( FCRA violation {$1000.00} ) If this account was paid and closed why was is this reported as collections? Delete immediately XXXX account reported as a negative item. 
What is the closed date? Why is this information missing this is a violation ( FCRA violation {$1000.00} ) How much was paid XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX In fact where is the entire payment history for the year XXXX XXXX. Im sure Experian has this information being that Experian follows the FCRA laws and ensures maximum accuracy and completeness. Please update this account or delete 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 explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: MicroBilt / PRBC (formerly CL Verify)
State: PA

Complaint narrative:
this account is fraud i reported it to them multiple times and stiil have not gotten a response and they have not fixed it yet its been 2 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-08-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal permanently limited my account. All of my savings is currently in my PayPal savings account. They told me I can not use PayPal anymore and that I must wait six months in order to withdraw my money. This was completely unexpected and they refuse to tell me why. The reason they give is that their back office team has deemed my account to be involved in risky activities or behaviors. They refuse to tell me what these activities or behaviors are. Whatever the reason, Im quite positive that it was either a mistake or something that can easily be explained. I dont understand how they can take such drastic action without giving me a chance to defend myself.

Now I am supposed to wait six months before I can gain access to my own money. This has caused me and my family a lot of stress. I have a XXXX XXXX XXXX XXXXXXXX XXXX. What will happen if my family has an emergency within the next six months?

PayPal has not been transparent with me. I believe their practices to be unethical. 
They have told me that PayPal reserves the right to refuse service. Absolutely they do! I fully agree and support their right. Heres the problem. I am not asking to resume using PayPals services. I do not want anything to do with them. What Im asking for is access to my own money so I can withdraw it to my bank account and then be done with PayPal forever. I am asking for this right now - not six months from now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-08-08 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX of Dispute- $ XXXX Medical- I have insurance and told them all the information and to go after them ... .they didn't do that and sent me to collections- XXXX XXXX XXXX ... I told XXXX  the same thing ... .go after the insurance company- XXXX XXXX XXXX .I don't think this is fair that it is on my credit report ... .I am trying to get a house and this is really hurting my score... Please help... Apartment rent is killing me and the little house I want will be XXXX cheaper in bills per month ... I am XXXX XXXX XXXX and have a XXXX  XXXX ... .Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I sent an investigation request to Transunion regarding 8 accounts that should not be reporting on my credit report any longer, These accounts have passed the legal statutory time that they should be reporting on my credit report, they are intermediate accounts which means they are closed and paid in full. They are over 7 years old. 

Furthermore, the accounts are enrolled in the Dept of education XXXX XXXX program which states This program eliminates the negative effects of default for borrowers with defaulted federal student loans. Credit Reporting Features and Protections Due to the Fair Credit Reporting Act, loans that have been delinquent for more than seven years generally do not appear on credit reports produced by credit reporting agencies. To ensure the maximum opportunity for borrowers with eligible defaulted federal student loans to get a fresh start, XXXX will delete reporting about loans that have been delinquent, even if the borrower enrolls in a repayment plan through the XXXX XXXX initiative ; report all other defaulted loans to credit reporting agencies as current and not in a collection status ; and use a loans original date of delinquency if borrowers become delinquent or go into default again after this XXXX XXXX opportunity, which will not reset the seven-year timeline for a borrowers credit report. 

PLEASE REMOVE THE EIGHT ACCOUNTS. AS THIS IS PART OF THE FRESH START PROGRAM TO NOT REPORT COLLECTION OR DELINQUENCY. 

I have included all supporting documentation

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 2023-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Someone has committed Fraud with my bank account at XXXX XXXX XXXX and has to change my account 3 times. In doing so, I have had my personal information stolen. This started in XX/XX/XXXX, XX/XX/XXXX, Then in XXXX of XXXX. My personal information was used to acquire and credit card with Capital one for XXXX. Now XXXX XXXX XXXX has taken this account over and now the total is XXXX. Now I Iive on XXXX and made XXXX in XXXX. Now i live on XXXX a month. I have called capital one explaining to them that this was not done by me. XXXX XXXX XXXX has now filled papers to collect on this debit. During covid, i could not file a police report on this matter. I called the credit bureaus and filed this claim to them and had it removed from my credit report. I had to put freezes on my reports along with Fraud alert on them. I don't know what to do from here outside of what i already have done. XXXX told me to file this report with this agency. I hope this can be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: DISCOVER BANK
State: NV

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I submitted a dispute regarding my legal name and correspondence received from the credit bureau is still incorrect. They actually mailed correspondence back to me addressed with the incorrect name. I also asked that all addresses be deleted except my current address which they are still reporting other addresses. I take my personal information seriously. It is the credit bureau 's responsibility to report accurate information per FCRA. I previously provided legal documentation such as driver 's license/W2/pay stub to prove who I am and where I live.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America let a third party checking account steal XXXX XXXX from me via a transfer. I have filed a police report and would like you guys to work hand and hand with law informant as I am taking legal action apon the person who stole XXXX out of my account which bank of america allowed them to do so.

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 monetary relief
Consumer complaint received 2023-08-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent.

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 2023-08-08 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: OH

Complaint narrative:
This account was opened fraudulently without my knowledge and I would like this fraudulent information removed. Account was opened XX/XX/2022 and closed on XX/XX/XXXX, XXXX Credit limit approved for {$700.00} and {$550.00} was used of this approved limit.

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