vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I sent in an inquiry dispute to TransUnion for 13 inquires and XXXX for 7 inquiries being reported on my credit report in error. Along with this letter, I sent in copies of return receipts to each creditor on my report reporting inaccurate information.. On XX/XX/XXXX I sent certified letters to all 13 and 7 creditors on my report requesting proof that I I signed or gave permission to anyone from there company to run my credit. After 30 days I received no response from none of the 13 or 7 creditors reporting on my credit report. On XX/XX/XXXX I also sent letters to both listed creditors and credit bureau.. requesting validation again no response from the creditors and a letter from  TransUnion stating that inquiries will stay on my report for 2 years. This is not the proof requested in my dispute.

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 2020-05-27 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: NY

Complaint narrative:
2nd request, and as per credit bureau my documents weren't received, I am resending my FTC and identification

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: MO

Complaint narrative:
After notifying the 3 major credit reporting agencies of the theft and mishandling of my identity, I've demanded the following unauthorized accounts to be removed from my credit file. I've also demanded all evidence collected in your investigation of these accounts. Knowingly knowing that electronic verification can not be accepted as proof. So I'm requesting physical documentation of such. If not please remove & block the following unauthorized accounts. 

1 ) XXXX XXXX 2 ) XXXX Child Support {$21000.00} 3 ) US Dept of Education {$7500.00} 4 ) US Dept of Education {$4300.00} 5 ) Dept of ED/ XXXX {$6000.00} 5 ) Dept of ED/ XXXX {$3500.00} 6 ) XXXX  {$1100.00} 7 ) XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: MO

Complaint narrative:
After notifying the 3 major credit reporting agencies of the theft and mishandling of my identity, I've demanded the following unauthorized accounts to be removed from my credit file. I've also demanded all evidence collected in your investigation of these accounts. Knowingly knowing that electronic verification can not be accepted as proof. So I'm requesting physical documentation of such. If not please remove & block the following unauthorized accounts.

1 ) XXXX  XXXX  2 ) XXXX  XXXX  XXXX  {$21000.00} 3 ) US Dept of Education {$7500.00} 4 ) US Dept of Education {$4300.00} 5 ) Dept of ED/ XXXX  {$6000.00} 5 ) Dept of ED/ XXXX  {$3500.00} 6 ) XXXX  {$1100.00} 7 ) 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 2020-05-27 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:
UNVERIFIED ACCOUNT. Per CRSA enacted, XXXX implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.

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 2020-05-27 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:
UNVERIFIED ACCOUNT. Per CRSA enacted, XXXX implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.

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 2020-05-27 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: NJ

Complaint narrative:
I already sent documents with my first complaint, Experian claimed to not have received so I am resending the documents AGAIN as per EXPERIAN REQUEST SO THAT the fraudulent items can be removed and blocked

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 2020-05-27 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: IN

Complaint narrative:
What happened is the credit reporting agencies do not seem to be doing their job or not doing such a good job. When one has been defrauded as I have and taken all the proper channels of reclaiming my life and reporting unauthorized accounts unknown to me then for companies as such as XXXX, XXXX, and Transunion not to respond responsibly then I have no other choice but to turn to the FCRA/FTA if this can not be resolved. I'm also requesting the Method Of Verification used in this investigation conducted by the 3 credit reporting agencies. Name / title of the investigator, means of any and all documentation that gives them the authorization to even report such accounts on my file. If not then these accounts shall be removed and blocked from my credit files. 

1 ) XXXX  XXXX Bank {$1700.00} 2 ) XXXX XXXX Bank XXXX XXXX {$720.00} 3 ) XXXX XXXX Bank XXXX {$560.00} 4 ) XXXX  XXXX Bank {$850.00} 5 ) XXXX XXXX 6 ) XXXX  XXXX Bank XXXX {$0.00} 7 )  XXXX XXXX XXXX 8 ) XXXX XXXX Auto Finance 9 ) XXXX   XXXX  Ser 10 ) XXXX  Card Service

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 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
They gave me everything and there no error. They send me the same information and cant disclosure the informations Im requesting. I send many request. XXXX XXXX the servicing company. Sent a letter that disclosure extra XXXX in escrow. Ive requested additional amounts to be explained and added to my account and the interest to be removed. Ive asked why My insurance was not paid in XXXX. I was paying extra a month. I filed a insurance claim that year. I cant get answer on why insurance was not paid and my loan was transferred and that year XX/XX/XXXX I was in default. Chase bank did not apply my payment correctly. They also did not pay the insurance that year. Chase bank cause me to be put in foclosure and that year my insurance lapse. Ive tried to get this information disclose. The insurance company blames chase bank. I contacted XXXX and the state that I have complain with XXXX  or another Agency. New lender can not answer why so much money in a suspends account. XXXX one year and XXXX in XXXX twice. I was paying double that year. Ive requested answered and things or informations to be disclosure and my requests and been ignored by both lender and servincing company and the insurance company. Chase. Ive asked who choose the insurance coverage and why the riders and additional endorsement were removed were I filed a claim in XXXX ive complained on the insurance company they blame chase bank. I paid additional forclusure fees because this. This caused me a lot of stress and became even more ill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: NJ

Complaint narrative:
I am not a credit repair company or credit person, I am XXXX XXXX XXXX XXXX, and I am a victim of identity theft

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 2020-05-27 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: NC

Complaint narrative:
Equifax claimed to have verified a fraudulent account due to me being a victim of identity theft. I would like to know how and when and what method was used to verify a fraudulent account that I had nothing to do with

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: IN

Complaint narrative:
What happened is the credit reporting agencies do not seem to be doing their job or not doing such a good job. When one has been defrauded as I have and taken all the proper channels of reclaiming my life and reporting unauthorized accounts unknown to me then for companies as such as XXXX, Equifax, and XXXX  not to respond responsibly then I have no other choice but to turn to the FCRA/FTA if this can not be resolved. I'm also requesting the Method Of Verification used in this investigation conducted by the 3 credit reporting agencies. Name / title of the investigator, means of any and all documentation that gives them the authorization to even report such accounts on my file. If not then these accounts shall be removed and blocked from my credit files. 

1 ) XXXX  XXXX XXXX  {$1700.00} 2 ) XXXX XXXX XXXX  XXXX XXXX {$720.00} 3 ) XXXX XXXX XXXX   XXXX {$560.00} 4 ) XXXX  XXXX XXXX  {$850.00} 5 ) XXXX XXXX 6 ) XXXX XXXX XXXX  XXXX {$0.00} 7  ) XXXX XXXX XXXX 8 ) Capital XXXX XXXX XXXX 9 ) XXXX XXXX XXXXr 10 ) XXXX   XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: IN

Complaint narrative:
What happened is the credit reporting agencies do not seem to be doing their job or not doing such a good job. When one has been defrauded as I have and taken all the proper channels of reclaiming my life and reporting unauthorized accounts unknown to me then for companies as such as Experian, XXXX, and XXXX  not to respond responsibly then I have no other choice but to turn to the FCRA/FTA if this can not be resolved. I'm also requesting the Method Of Verification used in this investigation conducted by the 3 credit reporting agencies. Name / title of the investigator, means of any and all documentation that gives them the authorization to even report such accounts on my file. If not then these accounts shall be removed and blocked from my credit files. 

1 ) XXXX  XXXX XXXX {$1700.00} 2 ) XXXX XXXX XXXX  XXXX XXXX {$720.00} 3 ) XXXX XXXX XXXX   XXXX {$560.00} 4 ) XXXX  XXXX XXXX  {$850.00} 5 ) XXXX XXXX 6 ) XXXX XXXX XXXX  XXXX {$0.00} 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX XXXX 9 ) XXXX XXXX XXXX 10 ) 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 2020-05-27 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: FL

Complaint narrative:
On XX/XX/XXXX I contacted Experian to do a dispute and I was told I can not do another dispute on the company because I disputed it in XXXX and it came back verified. I asked the lady what was verified beside a address and she said my social security number as well as my date of birth I made her aware that this is a fraudulent account and she said well they verified my information so I asked her is there a contract or something that she see that verified that I had an account with them she said no but they sent over something and I asked her well if there is something I need to see it and she had no idea what was sent to them to verify that I had an account with the collection agency nor XXXX who is the original creditor after we went back and forth she said I still couldnt do a dispute so she didnt know what to tell me. I made her aware that I have contacted the collection agency and XXXX and neither could provide me with anything showing I had an account its fraud she said well they verified the account and she didnt know what more to tell me. I explained to her that this is the second time this has happened when it was time for me to get a clearance for my job Im in the XXXX and if she would have looked back 2 years ago she will she a different collection agency had this same account on top of a third agency is also reporting this same account she was no help very rude and refused to look into the account to see what type of verification information they had to show I had this account. I am starting to think that the credit bureaus are working with the collection agencies because there is no way that you can verify I had an account with my social security number and a old address its impossible. So therefore I had to take this a little further

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 2020-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: Ingo Money, Inc.
State: NJ

Complaint narrative:
Ok so I deposited my work check of a total of XXXX , and I dont know exactly where that money went at all I wanted to know where all of that money went that I deposited into my account. When I try to cash my check again it isnt letting me at all. I needed them to reverse the payment on my check because my check says its been cashed already.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: NY

Complaint narrative:
this is my 2nd  request and again I am attaching my documents that Experian said they didn't receive, I am a victim of identity theft, please see all attached XXXX  and documents

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 2020-05-27 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: NY

Complaint narrative:
as previously notified, I am a victim of identity theft

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 2020-05-27 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: FL

Complaint narrative:
On XX/XX/XXXX I contacted XXXX to do a dispute and I was told I can not do another dispute on the company because I disputed it in XXXX and it came back verified. I asked the lady what was verified beside a address and she said my social security number as well as my date of birth I made her aware that this is a fraudulent account and she said well they verified my information so I asked her is there a contract or something that she see that verified that I had an account with them she said no but they sent over something and I asked her well if there is something I need to see it and she had no idea what was sent to them to verify that I had an account with the collection agency nor XXXX who is the original creditor after we went back and forth she said I still couldnt do a dispute so she didnt know what to tell me. I made her aware that I have contacted the collection agency and XXXX and neither could provide me with anything showing I had an account its fraud she said well they verified the account and she didnt know what more to tell me. I explained to her that this is the second time this has happened when it was time for me to get a clearance for my job Im in the XXXX and if she would have looked back 2 years ago she will she a different collection agency had this same account on top of a third agency is also reporting this same account she was no help very rude and refused to look into the account to see what type of verification information they had to show I had this account. I am starting to think that the credit bureaus are working with the collection agencies because there is no way that you can verify I had an account with my social security number and a old address its impossible. So therefore I had to take this a little further

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 2020-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Problem Company : SPECIALIZED LOAN SERVICING Problem : I am paying my monthly loan payment in advance before the date it is due and instead of crediting my loan payment to my loan as a monthly loan payment the company is crediting my payment as a " principal only '' payment and then when the monthly loan payment due date arrives the company is stating that they never received my monthly loan payment. Then, the company is marking me as not paid and is then charging me a " late fee ''.

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 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May  concern : I am writing to dispute a fraudulent charge on my account in the amount of {$22000.00}, {$20000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account.

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 2020-05-27 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: NY

Complaint narrative:
as previously notified I am a victim of identity theft

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