vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-06 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: UT

Complaint narrative:
My credit report had dropped severely in early XXXX - I looked into it and found a credit account that had been opened that I did not open or know about. I learned it was opened in XX/XX/XXXX - an XXXX credit card. I reported it as fraud and it was closed in XX/XX/XXXX, but it still shows on my credit account as an account under my name that had late payments. It is still affecting my credit score.

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 2021-01-06 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: CO

Complaint narrative:
In XXXX of XXXX I discovered an unknown credit card account listed on my XXXX credit card report via my XXXX account. I checked it out via experian and noticed it was on there as well. It is a XXXX card. I have never used XXXX or have ever had any sort of account with them. I created two disputes through Experian on XX/XX/XXXX and XX/XX/XXXX. The dispute did not result in anything and the account is still on my report. It is now saying that I can no longer view dispute results online. I have tried calling multiple times and everytime I reach a person, the call is disconnected before I can share any information or make any progress. According to experian, the account showed up in XX/XX/XXXX. I made a personal statement on XX/XX/XXXX requesting a fraud alert. I also uploaded my legal name change documents on XX/XX/XXXX because I thought that may have something to do with the issue. Soft inquiries were conducted on the XXXX account on XX/XX/XXXX and XX/XX/XXXX according to Experian. The account is luckily in good standing but the card usage seems to constantly be close to the limit. It has a report of a high balance of {$1200.00}. The limit is {$1000.00}. The current balance on the card is {$940.00}. I have been working really hard lately to improve and take control of my score. I just want to figure out how to get rid of this unknown account and do not want it to continue to impact my score. I will provide any paperwork necessary. I know when there is a name change in the mix, things can be confusing, but I do not want to be responsible for an account that is not mine. 

Best, 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 2021-01-06 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:
Transunion currently reports inaccurate information on my consumer credit report. 

As of today, XX/XX/2021 I've noticed that TransUnion is reporting an account under the name : XXXX XXXX XXXX XXXX XXXX XXXX reports a missed payment on my credit report in the month of XXXX. My bank records shows that XXXX payment was made on XX/XX/2021.

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 2021-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
I submitted a claim the company have not look into the claim or give me my money back. it was a vanilla visa gift card. my name is XXXX XXXX my claim number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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:
As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete XXXX statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!

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 2021-01-06 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:
THERE IS AN OBVIOUS PROBLEM WITH THE REPORTED HISTORY FOR THE ACCOUNT THAT IS BEING DISPUTED AND IT NEEDS TO BE CORRECTED ACCORDING TO THE LAWS THAT ARE IN PLACE TO PROTECT ME FROM NEGATIVE REPORTING HISTORY AND INFORMATION THAT IS NOT ACCURATE. 
Prove alleged derogatory reporting claim of LATE PAYMENTS is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!

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 2021-01-06 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: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
Their response is not relevant and it is misleading. 
Because they are showing a contract from XXXX. 
My lease was over. And I did not renew my contract. I did not sign it. 
I told them I was moving in writing and the basically ignore me. 
They are Fraudulent!!!! 
I have the documents

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: EZ Finance Company
State: TN

Complaint narrative:
When I first applied for the loan the manager talked about everything but the details of the loan. She also mentioned she meets people at the store to purchase stolen property. I called in XXXX before I was 30 days late and tried to pay the past due balance and she told me they don't accept partial payment and I had to pay the whole amount. Today XX/XX/2021 My manager gets a call from the store manager stating she was calling in regards to her employee and she needed to talk to her in regards to legal action. Which was a threat. They should not be displaying my personal info and did not follow the rules of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: CA

Complaint narrative:
As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete XXXX statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!

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 2021-01-06 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: CA

Complaint narrative:
As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete XXXX statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC
State: CO

Complaint narrative:
My father passed away on XX/XX/12, he was not married and I'm the only surviving child. I have tried to contact the mortgage company several times to find out my options for the mortgage. I provided the death certificate, testamentary, and a copy of my drivers license the documents that were requested. I have spoken to several different representatives who have given me several different answers and still have not added me to the loan with the correct documentation from the courts. I keep getting the run around, the departments have no direct phone numbers or emails, and now this is 4 months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXXXXXXXXXXXXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} N/A XXXX Date Opened : XX/XX/XXXX Balance : {$290.00} N/A XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: GA

Complaint narrative:
I have provided several times proof of incarceration to Experian & XXXX and also the creditors, to show I was incarcerated during the time these accounts were established. 

Please see the accounts reporting on my credit report XXXX XXXX XXXX XXXX XXXX XXXX and also inquiries : 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

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 2021-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Tri-Emerald Financial Group, Inc.
State: CA

Complaint narrative:
This is an extremely condensed version of the past 8+ months. I sent the required documents to the loan officer on XX/XX/XXXX with an estimated date of closing stated to be XXXX. Months of excuses esp related to covid, repeated requests for the same information, staff turnover, requests for repairs made after the appraisal ( esp when we have 2/3 the equity in the home ), multiple fees charged for return of appraiser to see these repairs, multiple new closing dates given and general mistakes made the closing and funding happen today ( XX/XX/XXXX ). I just received a frantic call and txt from my loan officer saying they want a copy of our solar loan or they will de-fund the loan. After 8+ months this seems a complete abuse of my rights. It has been 8+ months of jumping through hoops daily for every little request to be threatened to de-fund after funding has occurred. 
In addition, I was sent a loan estimate saying my appraisal for this 1400 sp ft house would be {$500.00}. I was sent a blank form to put my credit card info on for this appraisal and I filled in a max of {$600.00} but was charged {$650.00} without my consent. In addition I was charged {$100.00}, and {$150.00} for the return of the appraiser, plus {$250.00} for a roof inspector to come out and say the roof was sound for a total of {$1100.00} to appraise a house I own 2/3 equity in. My loan estimate from XX/XX/XXXX states a {$100.00} lender credit ( not the promised {$500.00} verbal promise, but, that was even removed on the final documents ). I was told I could not use a family member for my notary when the estimate says " items I can shop for '' include a notary. This company has horrible XXXX reviews for similar behaviors which unfortunately I did not review prior to using them and the constant promise of closing kept me on the line. I feel strongly they should be investigated as this process took years off my life and I don't wish this to happen to anyone else. 
Lend Plus, Tri-Emerald Financial Group Inc and XXXX XXXX was my loan officer. 
Thank you for your time

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 2021-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX/member has no noticeable way to quit the service or stop receiving emails. No FIND on the site. No 'unsubscribe ' on the emails. The only contact info they give is Phone or Mail.

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 2021-01-06 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: TX

Complaint narrative:
My last complaint you responded and said you assume it wasn't me who filed the complaint. I don't see why you think it is someone else. No one is serious about my credit but ME! So please do not try to use more stall tactics to not remove this account. On XX/XX/2020 Is sent a letter regarding inaccurate fraudulent things on my credit report it has been over 60 days and to this day I haven't received any results. I feel like I am being taking advantage and ignored by the credit bureaus. Section611 ( a ) plainly states that failure to investigate this item within 30 days gives a reason to immediately remove this account from my credit report. Clearly it has been way longer than that. I demand this account be removed immediately or I will file litigation due to the stress you have caused me. My information has been impacted by the XXXX  security breach and may have gotten in the hands of the wrong person. Included is also the FTC report that I filed, sent to each bureau and they haven't conducted an investigation for that either.

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 2021-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

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