vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-19 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:
THE ACCOUNTS/INQUIRIES LISTED ARE FRAUDULENT ACCOUNTS SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have tried to get a copy of my credit report and also remove the fraud alert from my file. I have sent letters and every time I call I am unable to get my report or have the fraud alert removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: KS

Complaint narrative:
We started the process to be pre-approved for a mortgage loan with PRMG back in XX/XX/XXXX. Our loan would be contingent on the sale of our current home, so we listed it for sale. The process was frustrating from the start, transferred from one loan officer to the next with no notice of being transferred to a new contact person. Communication was HORRIBLE with the company. Weeks would go by that we wouldn't hear from them. 
We sold our home in XX/XX/XXXX with literally nowhere to go. Originally, the plan was to close on our new home a few days after the sale of our current home. Luckily, the sellers of the home we were going to buy had moved out and allowed us to move in. 
I spoke with SEVERAL different members of the company including 2 regional managers. They kept giving us empty promises that we would close on our home in the next few weeks. This went on for MONTHS. I'm talking, SEVEN months. The regional managers stopped replying to my emails or answering/calling back. Our file supposedly went to underwriting SEVERAL different times, but we would never get a clear cut answer as to what they were waiting on. The appraisal on our new home had to be done TWICE because PRMG took so long that the first appraisal expired. 
Still, to this day, we have gotten ZERO answers regarding our file. This company has ALL of our personal and financial information, and we have no idea what they're doing with it. We have been waiting to close on a home for SEVEN months. The amount of emotional, mental, and physical stress this has caused for myself and my family is unimaginable. The company still will not reply to us or give us any explanation of what they are doing with our file. PRMG is a JOKE and absolutely 100 % should NOT be in business!!! Extremely unreliable, untrustworthy, and unprofessional!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: AL

Complaint narrative:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and Transunion has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : XXXX Account # : 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 2020-10-19 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: EQUIFAX, INC.
State: AL

Complaint narrative:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus Equifax shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Item 1 : XXXX XXXX XXXX  XXXX XXXX, Credit Card, XXXX Item 2 :  XXXX XXXX  XXXX, Credit Card, XXXX Item 3 : CHRYSLER   CAPITAL, Auto Loan, XXXX Item 4 : XXXX XXXX, Lease, XXXX Item 5 : XXXX XXXX XXXX, XXXX XXXX XXXX  Once again I'm notifying you regarding the Fraud/ Inccorect reported information on my credit report. A re-investigation is required as of my Rights Under 15 USC Section 1681n 1681, which requires your compliance with the law. 
Suportive documentation regarding the inaccurate accounts on my credit report will be attached to this statement. As this issue has become extremely frustrating, seeing these negative remarks on my credit report has prompted additional legal guidance on my behalf. It would be greatly appreciated if this were attended to immediately. Any information on the credit report which is not 100 % accurate and verified must be deleted. I am requesting that these items be DELETED at your earliest convenience. As such remarks diminish my authentic credit history on the attached report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I MAILED MY DISPUTES TO THE CREDIT BUREAUS XX/XX/2020 AND I STILL HAVE NOT RECEIVED A RESPONSE YET.

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 2020-10-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax continues to drop the ball. I've submitted a dispute several weeks ago regarding a collection account that isn't mine. I spoke to the company who instructed me they had deleted the item via e-Oscar with Equifax. After calling Equifax for several weeks they keep saying they don't have and response from the creditor which is false. Not only did the creditor provide me proof of the deletion proof via e-Oscar they even provided me a deletion letter.

As a consumer it is extremely difficult to call into Equifax with very long hold times then in my case I have to speak to the office of consumer affairs which is a total waste of time. The office of consumer affairs keeps us on additional hold time up to an hour plus and sometimes after waiting that long we are hung up on and have to start the process all over again. Depending on the day you may get great professional service and other
times you get very unprofessional service. I called today XX/XX/20 and spoke to a rep by the name of XXXX and I was simply trying to follow up on a dispute and I was dealt with in a very rude unprofessional manner from XXXX. I would like to have my file remove from the XXXX department and just given regular customer service. No customer should be rudely treated and talked to from Equifax. 

The collection account : XXXX XXXX XXXX for XXXX XXXX  should have been removed weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Hi i was trying to close my acoount with citi and they closed at it first and now it was reopen due to a glitch on there system and my phone number was also removed and im trying to close my account again both checking and savings account and they are both open in my name and they cant close it due to a phone number not verfied and ive been charged 30 fee on my account and i just want my money mailed in a check and i want all mail stop coming to my address

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 2020-10-19 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:
THE ACCOUNTS/INQUIRIES LISTED ARE FRAUDULENT ACCOUNTS SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: FL

Complaint narrative:
THE ACCOUNTS/INQUIRIES LISTED ARE FRAUDULENT ACCOUNTS SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I wrote a formal complaint to Equifax on XX/XX/20 requesting an investigation into an inaccurate and incomplete credit information. I demanded that they remove the Chapter XXXX and Chapter XXXX bankruptcies from my account due to the fact that they were not mine.

I did not hear from them after 30 days so I wrote them again using certified mail to remove said items from my report, but much to my chagrin, nothing has occurred.

I have included a copy of the second letter along with the receipt of the certified letter that was sent to Equifax.

If you have any questions, I am free to discuss this situation.

Thank you in advance for you assistance. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: PA

Complaint narrative:
I MAILED MY DISPUTES TO THE CREDIT BUREAUS XX/XX/2020 AND I STILL HAVE NOT RECEIVED A RESPONSE YET.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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 MAILED MY DISPUTES TO THE CREDIT BUREAUS XX/XX/2020 AND I STILL HAVE NOT RECEIVED A RESPONSE YET.

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 2020-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have been unable to have the fraud alert removed from my report. I also have not been able to get an updated credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I recently lost my job due to the pandemic ; and am still job searching. I received a notice from a company for a remote position. I exchanged messages via email and I received an offer letter, which matched the company info and job description. I was sent a check in the amount of {$4900.00} which I was to deposit and use to purchase work materials and computer software. I researched and found that the company was based in Ohio and thought it made sense for them to hire someone immediately. I deposited the check on XX/XX/2020. Chase restricted my account on XX/XX/2020 as payments for my regular bills were getting returned and I incurred insufficient funds fees of {$34.00}. They are also withheld my dividend disbursement of {$7.00}. 
I have called customer service, countless times only be told that I was to received a check for the funds of my account in 1-2 business days. A  week had gone by and I received no status update. I went into my local branch XX/XX/2020 and they only ask if I have called the fraud department where I am only to leave a VOICE MESSAGE and I have to wait for someone to call me back. I was advised that the person assigned to reviewing/closing my account has not done a thing, let alone respond to messages. I have had two different bank reps leave messages on my behalf and I have also called and left messages myself. It has now been three weeks, my bills are past due, my credit is getting dinged, and I have not received a call from a Chase manager. 
I am currently on the phone, holding to speak with someone this morning and have been on the phone since XXXX XXXX  XX/XX/2020. This is unacceptable from any " Financial Institution. '' How is a simple task of closing my account and issuing my money this difficult? Mind you, the amount from the fraudulent check has been returned from the issuing bank. There is nothing else to review.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: TX

Complaint narrative:
I have been mailing letters requesting that items on credit report be verified with detailed information sent to me, as well as other information that were reporting inaccurate to be removed, and lastly I have gotten no response from them in regards to my requests. I have not been notified when an investigation was launched yet alone if it was completed. This problem has existed since XXXX of 2020. It frustrating because the inaccurate information and unverified accounts are causing mishaps in my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: TX

Complaint narrative:
I have wrote and disputed the same item by " XXXX XXXX XXXX '' on my credit several times. I have requested the method of validation, written and verbal. I have written that the item is unverified and remains on my credit against Federal Law. I requested the original creditor documentation on file and that the information be verified. They REFUSE to provide me a copy of ANY original documentation required under section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( a ) and ( 5 ) ( A ). In addition, when researching the company, XXXX XXXX XXXX, they are not even a real debt collector. Their address provided XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX provides no suite number, to send formal written correspondence. I contacted them at ( XXXX ) XXXX. 
When I contacted them, a male representative, XXXX, threatened me and said that they are a law firm and have filed suit against me and that my wages would be garnished for {$3100.00} and my license suspended. I advised him that I never had an account with XXXX and that I would be filing a complaint against him and he hung up on me. Experian refuses to comply with the law and has only replied that the debt collector has only provided that " the company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' This response is insufficient and does not provide any information that I requested by written request on XX/XX/XXXX & XX/XX/XXXX. I am respectfully requesting either they adhere to my written requests or remove the items outright from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
On XX/XX/2020, I noticed my credit score drop over XXXX points on XXXX  and XXXX. I saw A new account with a balance over XXXX from JPMCB Card. I have never applied for anything with this company. I have been getting calls from an unknown number. They would leave messages saying its chase but I thought this was spam and never returned any calls. I do not have any accounts with chase and have not applied for anything

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: NY

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: NY

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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