vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-07 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: WI

Complaint narrative:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am unable to retrieve my credit score or report from Transunion. It is causing me frustration, with understanding where my credit score stands.

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 2021-12-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed my XXXX XXXX / XXXX XXXX account with all 3 credit agencies due to inaccurate information on XX/XX/XXXX. 

While I was late XXXX - XX/XX/XXXX ; due to a medical emergency and then again for the month of XX/XX/XXXX because XXXX did not forward the last bill when we moved in XX/XX/XXXX, I didn't receive a bill, I did pay it off when I received the final bill. 

In XX/XX/XXXX, when my husband and I applied for a mortgage, they informed me of the situation and told me if we could get approved ; it would raise my rates by a full point and we would not be eligible for some loan programs due to the issues with my credit reporting through XXXX. 

They also reported I was late XXXX - XX/XX/XXXX ; yet there was no balance during any of XXXX and I did not use the account until XX/XX/XXXX when they offered to increase my credit limit to {$1700.00}. 

When I disputed the account to XXXX on XX/XX/XXXX ; they investigated and deleted the account fully, but kept the incorrect late payments on my credit report, thus lowering my credit utilization by {$1700.00} and score by XXXX points on XX/XX/XXXX. 

We were relocating to XXXX from XXXX due to health issues in XX/XX/XXXX ; so I did not keep a close eye on my credit because we had already worked on it and gotten it above XXXX that was needed and we knew it would only go up as we paid our car loan off with no new bills. 

On XX/XX/XXXX we applied for a mortgage in XXXX  and were sent our credit reports and spoke to several mortgage companies that appraised of the situation with the incorrect credit reporting being on our report ; so I disputed the account again and filed a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: Colony Brands, Inc.
State: FL

Complaint narrative:
I disputed my SWISS COLONY / XXXX XXXX account with all 3 credit agencies due to inaccurate information on XX/XX/XXXX. 

While I was late XXXX - XX/XX/XXXX ; due to a medical emergency and then again for the month of XX/XX/XXXX because XXXX  did not forward the last bill when we moved in XX/XX/XXXX, I didn't receive a bill, I did pay it off when I received the final bill. 

In XX/XX/XXXX, when my husband and I applied for a mortgage, they informed me of the situation and told me if we could get approved ; it would raise my rates by a full point and we would not be eligible for some loan programs due to the issues with my credit reporting through XXXX. 

They also reported I was late XXXX - XX/XX/XXXX ; yet there was no balance during any of XXXX and I did not use the account until XX/XX/XXXX when they offered to increase my credit limit to {$1700.00}. 

When I disputed the account to XXXX on XX/XX/XXXX ; they investigated and deleted the account fully, but kept the incorrect late payments on my credit report, thus lowering my credit utilization by {$1700.00} and score by XXXX points on XX/XX/XXXX. 

We were relocating to XXXX from XXXX due to health issues in XX/XX/XXXX ; so I did not keep a close eye on my credit because we had already worked on it and gotten it above XXXX that was needed and we knew it would only go up as we paid our car loan off with no new bills. 

On XX/XX/XXXX we applied for a mortgage in XXXX  and were sent our credit reports and spoke to several mortgage companies that appraised of the situation with the incorrect credit reporting being on our report ; so I disputed the account again and filed a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I recently planned to purchase a home. when looking at my credit to my surprise I have a Student Loan with Wells Fargo! I have called XXXX times and requested a fraud package to be sent to me. they finally told me they can not sent a fraud package because they no longer " service '' student loan. they said they will investigate and get back to me. 
when they call me back, they have the wrong address, phone number and even name for me. then they tell me that they called my school and the school told them yes its my loan. the school in question is a community college and somehow community college required a XXXX student loan. 
they are not providing me with any proof or showing me where the money went and where I signed I requested to see a proof and my case representative said they cant provide me with anything. 
THIS IS NOT MY LOAN! this is stopping me from purchasing a home and I need to resolve it. 
please help me because Wells Fargo is not willing to help me at all. 
Thank you XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Charge Off : XXXX XXXX- - Balance {$110.00} -Date Opened : XX/XX/XXXX XXXX  XXXX XXXX  XXXX - XXXX {$0.00} -DatXXXX Opened : XX/XX/XXXXXXXX XXXX XXXX- Balance {$0.00} XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX- Balance {$0.00} XXXX Opened : XX/XX/XXXX XXXX XXXX - Balance {$0.00} XXXX Opened XXXX XX/XX/XXXX Late Close : XXXX XXXX XXXX  - XXXX {$0.00} XXXX Opened XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: WI

Complaint narrative:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
just start to notice this started cant really say when it started when my mother and brother pass when we recieve they life insurance money my gmail account information was tamper with which the email account was XXXX I am and over the round truck driver I also notice round the same time my card information and bank card was used which made me check my account and i notice someone had access my phone information cant just give dates because someone has been getting money and using my cards since 2017 the reason i never notice is they was taking it peace by peace and access to my phone information i cant access my phone information had to change number because someone tryed to access my accounts

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 2021-12-07 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hi there. I sent you a letter on XX/XX/2021 but I haven't received any letters from you. I am here at CFPBs website because I think that you have not been doing what you are supposed to do. I will keep on seeking help from government agencies or even hire an attorney if this matter doesn't get 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 non-monetary relief
Consumer complaint received 2021-12-07 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Experian refuses to fix reporting on XXXX auto leases {$14000.00} & {$13000.00}. They sent an email XX/XX/XXXX stating that they verified the accounts and the name of who they verified it with at the Dealership. ( the person they listed has not worked there for over 5 years! ) this was verified to me by the dealership on XX/XX/XXXX, as well as they also verified that Experian has yet to contact them about said dispute... These are BLATENT VIOLATIONS of the Fair Credit Reporting Act and I want if fixed or deleted immediately. The lease was current every month and then they ( Experian ) stopped reporting in XXXX of XXXX and listed it as a XXXX for no apparent reason??!! XXXX kept reporting as current. When I contacted Dealership back in XXXX, they said to dispute and then they would let Experian know they are not reporting correctly. Experian is required by federal law to verify THROUGH PHYSICAL VERIFICATION of the original signed consumer contract, any and all accounts they post on a credit report as well as have " said original signed consumer contract on file ''. Failure to positively verify these accounts has hurt my ability to obtain credit. Experian DID NOT VERIFY and FALSLEY CLAIMED THEY DID WITH AN EMPLOYEE THAT HASN'T WORKED THERE IN YEARS AND MUST REMOVE FROM OMY 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 2021-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I filed a claim ( XXXX ) on XX/XX/2021 with Chase Card Benefits services under purchase protection. After filing the claim, I received an email on XX/XX/2021 that my claim has been moved to adjudication and I should wait for 5 days. I waited for 5 days but did not hear anything back. I then contacted Card benefits service customer care to check the status but I was simply asked to wait. 
On XX/XX/2021, I was told that due to the high claim amount, they need 8-10 additional days to process my claim. I waited and contacted them back on XX/XX/2021 but I didnt get any definite answer. I then requested to be connected to a supervisor and I was connected with XXXX ( supervisor ). XXXX said that he is sending an email to his leadership for an update and would get back to me in 1 business day. But I did not get any update. I have called chase card benefit service several times but no one is ready to give me a timeline on when would my claim be processed and paid. As per my benefits guide, I should hear back from then in 5 business days after I file a claim, but it has been over a month that I have been following up with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
they lied to me and now have charged me over {$400.00} ( XXXX ) in fees to have this account ( they harrassed me to set up to pay my mortgage ) when i was assured that I would never pay a fee because i have a mortgage, savings, etc. Chase has used covid to excessively charge fees, this bank has severe moral issues, should be broken up for gouging customers like this!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

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 2021-12-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My social security number was stolen and a credit card with Bank of America was opened. A credit transfer of {$100.00} was also initiated from a credit card that I do own. I called my bank and they closed the account and initiated a pause on the credit transfer.

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 2021-12-07 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: MA

Complaint narrative:
I took out an auto loan on XX/XX/XXXX with XXXX XXXX XXXX XXXX. Before moving from XXXX to LA on XX/XX/XXXX my vehicle was stolen. I filed a police report and reported it to my insurance company immediately. XXXX did not pay off the auto loan until approximately 8 months later. XXXX expected me to continue paying the loan while i had no vehicle living across the country. I provided XXXX with documentation of the police report and the insurance claim as well. XXXX and XXXX have removed the account from my report. Transunion has not removed the account despite the fact that ive disputed it several times. XXXX will not fix the issue either. It is unreasonable to expect me to pay on a loan when i didnt have any means of transportation. XXXX XXXX who is in charge of the loan reporting for XXXX claims that XXXX is reporting correctly to transunion and is unwilling to change the reporting status to " closed - paid as agreed ''.

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 2021-12-07 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: CORELOGIC INC
State: IL

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

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