vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also
have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-05 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: NY

Complaint narrative:
I HAVE SEVERAL FRADULENT ACCOUNTS ON MY EXPERIAN CONSUMER REPORT. I NEED TO HAVE THIS FRADULENT INFORMATION REMOVED FROM MY CONSUMER REPORT. ATTACHED ARE THE FTC IDENTITY THEFT REPORTS. 

XXXX XXXX OPENED XX/XX/XXXX {$91.00} XXXX XXXX OPENED XX/XX/XXXX {$280.00} XXXX XXXX OPENED XX/XX/XXXX {$470.00} XXXX XXXX OPENED XX/XX/XXXX {$1200.00} XXXX XXXX XXXX OPENED XX/XX/XXXX {$1600.00} XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX  XXXX OPENED XX/XX/XXXX {$5300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: TX

Complaint narrative:
On XXXX sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-05 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:
On XXXX sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Self Financial Inc.
State: FL

Complaint narrative:
I recieved an email on XXXX stating that my card is now frozen, and submit my drivers license and 2 debit cards showing that they belong to me. I did and i was told i have to wait for some to review it and release my funds.. how is it legal?? all i did is pay off my credit cards from tax return?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I received a call and a voicemail from a woman claiming to have issues with a Bank of America prepaid card in my name. Now, I bank with Bank of America, so immediately was concerned about the status of my account or if there was a problem. I called the number back and it was now a man asking for my first and last name, which at first I had no problem giving. However, then he asked for my social security number, which I thought was a part of the process so I gave it. He asked for my social again, and after hearing the shakiness in his voice, I realised that it was a scam. I am currently worried that he might've heard enough of my information to do something with it, and I was writing to see if there was any way of checking this or filing a bigger 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 2022-03-05 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: Early Warning Services, LLC
State: NY

Complaint narrative:
EARLY WARNING SERVICES HAS INCORRECT INFORMATION ON MY CONSUMER REPORT. IT NEEDS TO BE REMOVED. THERE ARE SEVERAL ACCOUNTS I NEVER OPENED. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OPENED ON XX/XX/XXXX XXXX XXXX XXXX OPENED ON XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
In accordance with the fair credit reporting act INDIVIDUAL-ACCOUNT # XXXX, had violated my rights. 

15 U.S.C 1681 section 602A, states I have the right to privacy 15 U.S.C 1681 section 604A states I a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XX/XX/2022 i spoke with representatives at XXXX, equifax, and XXXX about validating ( not to be confused with verifying ) of reportings on my credit report, they were unable too. i then asked them for a copy of when i sent any written documents of permissible purpose to validate the inquiries in question and i asked them for an audit trail, again they were unable too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XX/XX/2022 i spoke with representatives at experian, XXXX, and XXXX about validating ( not to be confused with verifying ) of reportings on my credit report, they were unable too. i then asked them for a copy of when i sent any written documents of permissible purpose to validate the inquiries in question and i asked them for an audit trail, again they were unable too.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-05 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: Early Warning Services, LLC
State: NY

Complaint narrative:
EARLY WARNING SERVICES HAS INCORRECT INFORMATION ON MY CONSUMER REPORT. IT NEEDS TO BE REMOVED. THERE ARE SEVERAL ACCOUNTS I NEVER OPENED. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX OPENED ON XX/XX/XXXX XXXX XXXX XXXX OPENED ON XX/XX/XXXX XXXX XXXX  OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: Early Warning Services, LLC
State: NY

Complaint narrative:
EARLY WARNING SERVICES HAS INCORRECT INFORMATION ON MY CONSUMER REPORT. IT NEEDS TO BE REMOVED. THERE ARE SEVERAL ACCOUNTS I NEVER OPENED. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX OPENED ON XX/XX/XXXX XXXX XXXX XXXX OPENED ON XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: TN

Complaint narrative:
Regarding existing disputes filed with CFPB : # XXXX - Equifax # XXXX - XXXX  Both companies have suggested I contact them via their toll-free numbers. 
This is a joke. 

I have searched the internet for any number that will allow me to speak to a person. I only get an automated voice that verifies my identity XXXX times and wants to help me, by stating " is this a general question about credit, if yes, press 1 '' if you do they give you a list of items that have nothing to do with your issue. If you do not choose one, they end the call. If you do, you answer no to the questions and say representative, over and over, it says " I can only connect you with a representative under certain specific circumstances '' then back to zero, start again. 

My files on this fraudulent bankruptcy include deletions from XXXX the third-party provider of information to the CRAs on Public Records , a statement from the Bankruptcy Court that they do not verify anything to the CRAs, and that I should look at the information on credit repair contained in the FCRA. 

My file is over XXXX pages, including a recent letter from Equifax to verify my identity! 
They have received copies of my license, ss card, leases, etc. dozens of times. If they can not identify me, why are they publishing damaging fraudulent credit information? Especially since this all occurred from their data breach which the settlement administrator is preparing to pay me the maximin cash amount of a paltry {$20000.00}, which I feel I should decline and am inclined to allow my law firm to open a class action suit on the class action suit and settlement, but that would hurt many people who have already paid over and over. Then I said, " why not let the CFPB help me, as they have many times before, and they are getting a significant amount of money from the Equifax breach. '' So here is my complaint. 
I want a phone number where I can reach a human at Equifax and XXXX and I would like to know how I can opt out, as I have done with XXXX XXXX, permanently from the CRAs, I do not need them. 
Thank you XXXX XXXX Oh, I am vision impaired, making it a chore, one I gladly do, to read the pointless letters I receive from the CRAs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FISERV FINXACT CORE
State: IL

Complaint narrative:
On XX/XX/2022, I electronically sent {$470.00} from my XXXX account to my student loan provider, XXXX. XXXX sent confirmation that the transfer was processed and gave me a confirmation number. However, when I called XXXX, they never received the money. At first, I thought I entered incorrect account information. However, according to XXXX and XXXX, the information was entered correctly. During the process, I find out from XXXX that they go through a third party for electronically processing. The name of the company is XXXX XXXX, which is part of Fiserv. XXXX supposedly contacted Fiserv to inquire about my XX/XX/XXXX payment several days ago. However, I was told by XXXX that Fiserv will not cooperate. I contacted Fiserv but I was disconnected. Frankly, I do not know what to do next because it is XX/XX/XXXX, and I am worried that they are collecting interest on my money and using that for profits. I know the interest on {$470.00} is not a lot however if this is being done to other thousands of customers, then the money adds up quickly. Please contact me as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have contacted Experian via USPS Certified mail on several occasions now about an account on my credit file affecting my credit score which is showing incorrect data such as late payments. The account XXXX XXXX XXXX XXXX, Acct # XXXX, 30 Days Past Due, and 60 Days Past Due which is not correct information because I have never been past due. 

I have reached out to XXXX XXXX XXXX XXXX Branch Manager XXXX XXXX in reference to this incorrect information, and she wrote me in an e-mail stating that there are delinquencies being reported to the credit bureau at all. I forward a copy of this communication from the Branch Manager to Experian after I disputed the account and Experian still says the account information is correct even tho I reached out to the bank who states no delinquencies being reported to the credit bureau. I am trying to resolved this matter asap or I will be force to file court filings in this matter against Experian. 

Experian keeps verifying the account information is correct when it's indeed incorrect. The Experian Report # 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 2022-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I applied for a loan modification appeal on XX/XX/2022, 2 days later I was denied. I called to ask why, I was informed by Mr Cooper employee, if you apply for a loan mod appeal within 12 months it was an automatic denial, I was not told this at all, in fact I was told to appeal the decision by letters I received. Per the information on Mr cooper site and mailings they state a decision can take up to 30 days. how can they examine my financial and make a decision 2 days, when this process goes through many phase. I feel like I am being preyed on due to my age.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
In accordance with the fair credit reporting act INDIVIDUAL-ACCOUNT # XXXX, had violated my rights. 

15 U.S.C 1681 section 602A, states I have the right to privacy 15 U.S.C 1681 section 604A states I a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
In accordance with the fair credit reporting act INDIVIDUAL-ACCOUNT # XXXX, had violated my rights. 

15 U.S.C 1681 section 602A, states I have the right to privacy 15 U.S.C 1681 section 604A states I a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
This loan was acquired in XX/XX/XXXX with a monthly payment of {$720.00} and at the time I was never told the interest accrued daily but was told I could make principal payments and there was no prepayment penalty. I have been attempting to make an additional {$100.00} toward the principal since XX/XX/XXXX with the exception of XX/XX/XXXX additional payment was {$73.00}. Per my welcome letter, additional monies would be applied towards the principal in accordance with the contract and once I realized the overage wasnt being applied to principal, In XX/XX/XXXX I spoke to a XXXX which said I must add a memo designating such. I informed her that I pay through online banking and at that time I couldnt add a memo. She agreed that a flag would be placed on my account designating all overages should be applied towards Principal and would contact the XXXX XXXX to re-apply the overages. In XX/XX/XXXX I began to send the overage separately and after my monthly payment in hopes to alleviate the confusion to no avail. I have talked to several Managers with promises of correct this problem and still no resolution. This is frustrating and very disappointing because I am trying to shorten the terms of this loan without success. Also the terms of this loan changed on XX/XX/XXXX without notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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:
I've submitted multiple disputes as well as contacted the credit bureau and original creditors. I've reported identity theft and place a security freeze fraud alert on my personal information but there is no change

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Upon careful review of my report I noticed several inaccuracies, inconsistent and missing information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Regarding existing disputes filed with CFPB : # XXXX - XXXX # XXXX - Experian Both companies have suggested I contact them via their toll-free numbers. 
This is a joke. 

I have searched the internet for any number that will allow me to speak to a person. I only get an automated voice that verifies my identity 100,000 times and wants to help me, by stating " is this a general question about credit, if yes, press 1 '' if you do they give you a list of items that have nothing to do with your issue. If you do not choose one, they end the call. If you do, you answer no to the questions and say representative, over and over, it says " I can only connect you with a representative under certain specific circumstances '' then back to zero, start again. 

My files on this fraudulent bankruptcy include deletions from XXXX the third-party provider of information to the CRAs on Public Records , a statement from the Bankruptcy Court that they do not verify anything to the CRAs, and that I should look at the information on credit repair contained in the FCRA. 

My file is over 400 pages, including a recent letter from XXXX to verify my identity! 
They have received copies of my license, ss card, leases, etc. dozens of times. If they can not identify me, why are they publishing damaging fraudulent credit information? Especially since this all occurred from their data breach which the settlement administrator is preparing to pay me the maximin cash amount of a paltry {$20000.00}, which I feel I should decline and am inclined to allow my law firm to open a class action suit on the class action suit and settlement, but that would hurt many people who have already paid over and over. Then I said, " why not let the CFPB help me, as they have many times before, and they are getting a significant amount of money from the XXXX breach. '' So here is my complaint. 
I want a phone number where I can reach a human at XXXX and Experian and I would like to know how I can opt out, as I have done with XXXX XXXX, permanently from the CRAs, I do not need them. 
Thank you XXXX XXXX Oh, I am vision impaired, making it a chore, one I gladly do, to read the pointless letters I receive from the CRAs.

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