vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-20 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX , FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX, FL 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 2022-01-20 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My XXXX XXXX  and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX which has affected my XXXX. In short, the quality of my XXXX  has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX N/A XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX TXXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent my letter to dispute the following accounts that were on my credit on XX/XX/XXXX. The Letter to Remove Inaccurate Credit Information. These are items that were on my credit that I wanted removed according to the Fair Credit Reporting Act. I also informed them that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. I was supposed to hear back within 30 days but got no response from them. 
Date of XXXX inquiries were on XX/XX/XXXX. 
Date of Closed Account XX/XX/XXXX. 
Date of Collection XX/XX/XXXX. 
Date of Closed Account XX/XX/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 2022-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: OH

Complaint narrative:
I received a US bank triple cash sign up offer via mail. It was a XXXX sign up bonus. I fufilled the obligation and now they state that I only get XXXX and dont have any records of the other XXXX dollars.

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 2022-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I purchased a cashiers check on XX/XX/XXXX at a capital one bank in XXXX XXXX Louisiana. It was made out to XXXX for my first month 's rent for a rental I was to move into on XX/XX/XXXX. I shipped the check to the property management company XXXX via XXXX with tracking number XXXX with delivery on XX/XX/XXXX. The check was never delivered due to the delivery times being outside of normal business hours for this business and the company not allowing to remove a signature requirement in order to leave the letter under the door or in the box at the receiver address. Because this wasn't delivered prior to the deadline for the receipt of these funds, I had to send another {$3500.00} to the company through my realtor in order to get the move in costs paid so I could move in. I then contacted XXXX on XX/XX/XXXX and asked that they hold the package at a local XXXX so I could just pick it up and get a refund for it. I was told that the package would be ready within 48 hours. The 48 hours passed and I called them again only to find on XX/XX/XXXX that they had lost this package. I was told it hadn't been scanned since XX/XX/XXXX and they were unable to locate this package. I've called multiple times since then and no one has helped me. I even filed a claim a week ago and was told there would be a resolution within 72 hours. It has been a week, no one has followed up with me and I am still missing my money and being impacted financially by this set back. I just moved across the country with my children and I am going through a divorce. I am working hard to provide for my family and not having this money has caused me a lot of XXXX and frustration. I need my money back and I find it disgusting that no one is really working to resolve this issue as this is not what I was expecting and I need my money. I should not have to suffer for this for doing business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Please look into These fraudulent accounts on my report they have not been verified and I have not received accurate documentation as to why these accounts on my report and it has been months and I have received anything please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX I called Chrysler Capital to explain my circumstances with the attempt to get a bit of payment relief. I purchased this vehicle for my daughter, who no longer resides with me nor has possession of the vehicle. I was and have been XXXX  many times with XXXX as well as a XXXXXXXX XXXX. It was my understanding that they accepted to defer two months payments for two payments of {$250.00}. I recently realized after being XXXX from the hospital that they did not accept those arrangements and are now demanding {$1500.00} or repossess the vehicle. I can provide mountains of proof/evidence that i have been financially impacted by my medical condition, of which I am now recovering from. I can maintain the payments going forward starting in XXXX but ask for assistance with the past due payments. Also, if its not asking too much, i would like rate and term assistance to help lower the payment. 32 % is almost highway robbery, but i did sign the papers and own this. I am currently not able to refinance the loan given it is upside down by ~ $ XXXX. Again, all i am looking for is the help getting caught up/current and can maintain it going forward ( and maybe some help lowering the rate/extend term/lower payment ). It would be easy enough to voluntarily surrender the vehicle however my credit is worth more to me than the $ XXXX i am paying for the unneeded vehicle. 

Please, help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent in some dispute letters to the credit bureau about a collection dept thats on my report. Its been 30 days and I still havent received any information from the bureau.

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 2022-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TRANSUNION reported an unvalidated item on my consumer report. Under the FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the courts rules that reporting a collection account indeed is considered collection activity. Pursuant to 15 USC 1681b ( a ) In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom in relates. I did not and do not give you permission to furnish this on my report and demand that It be removed. 
TRANSUNION reported a medical item which is in violation of my HIPPA rights. They were not produced with a HIPPA release that releases my medical information to them, nor allowed it to be shared. I am taking this matter extremely seriously, I want this item to be removed immediately. 
I also filled a complaint with Identitytheft.gov reference number: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 2022-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XX/XX/2022 I engaged in a consumer credit transaction with XXXX XXXX. XXXX XXXX sent me a adverse action letter that violated my rights pursuant to ( 15 U.S.C. 1691-1691f ) that stated Transunion Consumer Solutions is still reporting a bankruptcy / derogatory public record on my consumer credit report. I have tried to dispute the accuracy of this matter with Transunion several times and the derogatory public record is still on my report. Due to the inaccurate credit reporting, Transunion is directly impairing the efficiency of the banking system pursuant to ( 15 USC 1681 ( a ) ) which is essential to the continued functioning of the banking system. Transunion have ASSUMED a vital role in assembling and evaluating consumer credit and other information on me pursuant to ( 15 USC 1681 ( a ) ( 3 ) ) and have violated my right to privacy pursuant to ( 15 USC 1681 ( a ) ( 4 ) ). Please help me rectify this matter as Transunion have continued to diminish the value of my consumer 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 2022-01-20 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: MA

Complaint narrative:
I have been working with Experian to remove wrong information or just show me some prove of where they're getting the incorrect information on my credit report. 

Below are the issues of complain, you will also notice I have taken the step as it is listed on their website : Remember, inquiries can't be disputed online. If you believe an inquiry is the result of identity theft, contact us at XXXX. 

They have late payment for my XXXX XXXX which I have never been late. I have asked for proof with not avail. 

1. credit card graphic XXXX XXXX XXXX  XXXX XXXX XXXX XXXX name 2 late payments The following inquires are on my report without my permissible use. I have locked my account for numberous time for this reason. I have contacted the original creditor, only to be told they don't have any information. 

Here is a list of the inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date XXXX XX/XX/XXXX XXXX XXXX Stores Inquiry XXXX : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Banks - XXXX specific Inquiry date : XX/XX/XXXX XXXX date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry date XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX Removal date : XX/XX/XXXX 2023

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 2022-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N 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 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 2022-01-20 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: NY

Complaint narrative:
I sent in some dispute letters to the credit bureau about a collection dept thats on my report. Its been 30 days and I still havent received any information from the bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: NY

Complaint narrative:
I sent in some dispute letters to the credit bureau about a collection dept thats on my report. Its been 30 days and I still havent received any information from the bureau.

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 2022-01-20 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: NY

Complaint narrative:
Please look into These fraudulent accounts on my report they have not been verified and I have not received accurate documentation as to why these accounts on my report and it has been months and I have received anything please remove

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 2022-01-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please look into These fraudulent accounts on my report they have not been verified and I have not received accurate documentation as to why these accounts on my report and it has been months and I have received anything please remove

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 2022-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: WA

Complaint narrative:
The Covid Forbearance Plan for which I was approved, expires on XX/XX/2022. BB & T and I have enjoyed a cordial informative relationship until XXXX XXXX XXXX  and today, Wednesday, XX/XX/2022, on which both occasions I received misinformation by from their representatives, XXXX, on Friday and today, XXXX. 

Yesterday, XX/XX/2022, I received a letter, dated XX/XX/2022, concerning my loan and the options available to me. After reading and consulting with one of the housing counselling services provided, I decided to call the bank to put my choice in place. It is on that occasion that I spoke to your representative, XXXX who contradicted the information laid out in the letter and that which was provided by the housing counsellor. He became irritable, subsequently hanging up the phone, when I highlighted the inconsistencies and ask for a copy of the transcript of our conversation. ( The transcript will demonstrate his contradictions in the call and unprofessional behavior ) Examples of the misinformation which he later corrected but insisted it did not say included the following : 1. My forbearance plan was not eligible for extension which he later corrected to say, I have a further XXXX should I need to extend. 
2. Telling me he could not provide a written record of our conversation. 
3. Creating confusion about the option of placing the missed payments to the back of the original loan agreement, which would become due when the original loan maturity due date occurs, or the loan is paid off via refinancing or selling of the property. This was confused with the repayment plan option. 
When I brought to XXXX  attention that what he was saying was inconsistent with the letter I received, and that I required clarity, he became very rude saying I was preventing him from telling me about the plans. 
In the incident with XXXX, I asked addition questions about each option which he was reluctant to answer insisting that putting the lump sum to the back of the loan was my best option. I explained to him that I needed to understand the merits of each option with accurate numbers so I can make the best decision for myself. He told me that, the information will be provided in the documents sent to me, after the choice, of the back of the loan deferred balloon payment option is made and not before. 
His failure to answer the questions and or provide information about my loan so that I can choose the best option for myself, encouraging me to favor one option over another, without a full understanding of my specific situation. 
I called back the bank, on the same day, XX/XX/2022, and left a message on the afterhours message service, describing the issues in the contents of this letter, and alerting them of the intent to report this to the 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