vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-22 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:
On XX/XX/XXXX, XXXX have submitted several requests to Experian on how they " verified '' my dispute with XXXXXXXX XXXX  XXXX. Each time I have asked for documents on " how '' did they verify the account in question and seeking validation not just a reply with account has been verified but no documents to show proof.

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 2021-02-22 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: MI

Complaint narrative:
Checking over my report today and I noticed some unusual activity once I notice this unusual activity I created a FTC report and I contacted the creditors multiple times they never provided me any information at all!!!!!! Inaccurate items on report should be removed the dates, and amounts dont add up either. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXXXX XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiries I do not notice XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
Its now been 2 years since this company took me to court to sue me. I appeared in court and the debt was discharged. 
This company continues to put in my credit report and has made me not eligible to seek other credit advances. I have disputed this account over 10 times and still its on my credit report. XXXX is the one company that the charge off is record it. I say again I have spoken to this company several times Again I had appeared in court what happens when someone credit is messed up could I sue this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX the XXXX XXXX XXXX closed my credit card account, and reopened the account after my request. After the account be reopened the bank never corrected the information that the account is closed by the credit guarantor. As of today, XX/XX/XXXX, the credit agencies, XXXX, XXXX and Transunion keep the information that the account is closed at the request of the credit guarantor and since XX/XX/XXXX, the XXXXXXXX XXXX XXXX  no longer updates my report of credit. After opening a dispute with the 3 main agencies ( Transunion, XXXX and XXXX  ) the closed account information was left unchanged because the XXXX XXXXXXXX XXXX  stated is accurate.

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 2021-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK
State: FL

Complaint narrative:
My discover account was closed over 7 years ago ( 2013 ) and I have disputed it on all the credit Bureaus. Most removed the account. XXXX  has not and instead discover is now negatively impacting my credit with added late payments each month. The company never got in touch with me in over 7 years and had it marked as a charge off/ profit loss the entire time causing me to be denied for several opportunities based on credit worthiness. Not to mention that it was wrongfully out that amount to begin with. After making one payment with my fathers bank account, of which he reported as fraud, they then Removed every payment i had ever made putting a XXXX dollar credit card at XXXX debt. Now its time for it to be removed from credit report entirely and instead they are adding even more negative impacts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
investigation took more than 30 days i am writing this due to non-compliance with the ( XXXX Experian, XXXX ) have failed to remove information that affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and a outright refusing to uphold the law

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: Total Card, Inc.
State: VA

Complaint narrative:
I have late payments showing on my credit car account for XX/XX/2019, XX/XX/2019 and XX/XX/2019. The card is reporting on my credit report twice and the company will not fix the issue. The information on all of the bureaus are inconsistent with one another and also duplicated making it appear as if i have poor payment history with the company on two cards. I gave written the company and emailed and nothing has been resolved. The late payments are not correct, I want the company to remove the late payments and delete the duplicate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % XXXX accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.

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 2021-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Comenity credit card closed my XXXX  balance Visa card because I duped not make payments on my student loans which are in deferment due to the pandemic. They refused to accept I am a government employee who has student loans that are NOT in bad standing and refused to provide me a reason why they took this erroneous action. Further a disputed account that was removed was utilized as well when I asked them why if it was disputed I did not receive an answer. I was disconnected several times and representatives were uncaring and calloused in how they responded. I was advised I had no recourse despite the error made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have late payments showing on my credit car account for XX/XX/2019, XX/XX/2019 and XX/XX/2019. The card is reporting on my credit report twice and the company will not fix the issue. The information on all of the bureaus are inconsistent with one another and also duplicated making it appear as if i have poor payment history with the company on two cards. I gave written the company and emailed and nothing has been resolved. The late payments are not correct, I want the company to remove the late payments and delete the duplicate 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 2021-02-22 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: VA

Complaint narrative:
I have late payments showing on my credit car account for XX/XX/2019, XX/XX/2019 and XX/XX/2019. The card is reporting on my credit report twice and the company will not fix the issue. The information on all of the bureaus are inconsistent with one another and also duplicated making it appear as if i have poor payment history with the company on two cards. I gave written the company and emailed and nothing has been resolved. The late payments are not correct, I want the company to remove the late payments and delete the duplicate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
On XXXX XXXX of 2021 I opened an account online. During this process I called at le ast two times and verified and authenticated my personal identity with the instituti on. On XXXX XXXX I was issued an account number, signed up for online banking, a nd ordered checks. On XXXX XXXX I deposited {$100.00} in person at a local branch to fin d the account. I met with a banker who verified my personal identity with two form s of identification ( US Passport and US Passport Card ). She also issued me a debit car d. I withdrew {$20.00} from the ATM on site and used my card for a handful of transactio ns. On XXXX XXXX I provided instructions for a transfer of money to be sent to this account t using the account and routing number that had been provided to me. On XXXX XXXX I was advised the bank closed my account due to fraud suspicions, and t hat they were unable to verify my identity via the information that had been provid ed online. I was told that I could step into a branch with two forms of ID and try agai n. I was told a letter would be sent explaining more information. On XXXX XXXX I tri ed to cancel the funds transfer that Id initiated on the XXXX but I was not successful. On XXXX XXXX I received a deposit in the amount of {$11000.00}. On XXXX XXXX I was t old that the bank would not be returning my money ever and that the account was under a closing process. In person, on XXXX XXXX I was given different information in the branch by XXXX and XXXX. They both told me Id get a letter and a check for my funds within a day or two. Im seeking that the bank be forced to release the money that was lawfully and rightfully placed in the account, and disclose the reaso n my account was closed.

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 monetary relief
Consumer complaint received 2021-02-22 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: NJ

Complaint narrative:
investigation took more than 30 days i am writing this due to non-compliance with the ( XXXX, XXXX, TransUnion ) have failed to remove information that affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and a outright refusing to uphold the law

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: NJ

Complaint narrative:
investigation took more than 30 days i am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ) have failed to remove information that affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and a outright refusing to uphold the law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The company will not remove late payment from my report and I have communicated that the information is reporting inaccurately on all of my reports. When my card was lost in XXXX the bank issued another card. The company continues to report the payment history from that card as if it is still open. The company opened a new tradeline and made my age of the card appear newer and also reported the old payment history and new payment history. The account is being reported twice and needs to be corrected.

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 2021-02-22 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: VA

Complaint narrative:
The company will not remove late payment from my report and I have communicated that the information is reporting inaccurately on all of my reports. When my card was lost in XXXX the bank issued another card. The company continues to report the payment history from that card as if it is still open. The company opened a new tradeline and made my age of the card appear newer and also reported the old payment history and new payment history. The account is being reported twice and needs to be corrected.

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 2021-02-22 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: MI

Complaint narrative:
Finally got a chance to see my full credit report so while I was checking I noticed some accounts I never had and I wanted to get them remove because I feel that they are inaccurate. I have filed a FTC report and I contacted the creditors multiple times they have not provided me with any information!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Inquiries i do not notice XXXX XXXX  XX/XX/XXXX Us Sm Bus Admin XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2021-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Around the XXXX of XXXX, 2020, I was contacted by XXXX XXXX ( Senior Loan Consultant ; NMLS # XXXX ) from my current mortgage holder, Freedom Mortgage ( Corp NMLS # XXXX XXXX. This was in regards to a possible refinance of my existing home loan with them. I compiled the requested documents and signed a loan application. In early XXXX, I received a letter in the mail that the first application had been withdrawn although I never gave permission or was contacted before this was done. When I contacted XXXX, he assured me nothing was wrong but that I needed to fill out a second loan application and the details would stay the same. After XX/XX/XXXX, we never heard from XXXX XXXX again or about the status of the second loan application. In early XXXX, I was contacted by Freedom Mortgage about our loan application and that it had stalled. The Freedom Mortgage phone representative said they needed a few more documents and would email what Freedom Mortgage needed, but that person never contacted or followed up with me. On XX/XX/XXXX, I called Freedom Mortage to inquired about the status of the second loan application and issues with communication. I was put in touch with XXXX XXXX ( NMLS # XXXX ). After going over the situation, he said we could move forward. XXXX said I would need to resubmit all the data, start a new loan application, and rerun my credit score. I did not want to rerun my credit score because of the previous issues were on Freedom Mortgages end, but assured me that it was okay. I resubmitted the required documents, agreed to the second credit pull, but I did not sign the third loan application as my wife 's name was wrong on the form and I had some further questions before signing. I emailed XXXX XXXX my concerns. I followed up with emails on XX/XX/XXXX, XXXX, and XX/XX/XXXX and several phone calls and voice messages that went unanswered and unreturned. On XX/XX/XXXX, I contacted Freedom Mortgage again and requested to speak with XXXX supervisor. I explained my issues for the past 2+ months and that I had not be contacted about my previous two loan applications and I wanted more information before signing a third application. The supervisor said he would contact me ASAP to figure everything out. As of XX/XX/XXXX, I have still not been contacted by Freedom Mortgage about anything. My complaint is in regards to the requests to fill out multiple loan applications, not communicating the status of my loan applications ( approved or denied ), the second credit pull, and overall poor communication regarding the status and process of the refinancing.

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 2021-02-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Some one used my information try to get Cridit card so start running the Cridit often I lost 18 points XX/XX/XXXX. Experien And 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 2021-02-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2021, I was unable to access my online account with Capital One. I have been using the same computer to log into my account and there is no reason for this suspicious alert to be initiated by Capital One. They insist on linking a phone number to your account so that they can pester you with unwanted text messages that the Customer has to pay for. The fact that Capital One does not have email to send a customer a Code for a 2 Step Verification needs to be investigated as well. All credit card companies and other agencies that use 2 step verifications give the user the option to receive their codes by phone or email, After spending nearly an hour on the phone as well as submitting my Identification, Capital One still has not unlocked my online account. Since I pay my bill online and do not receive paper statements, Capital One needs to unlock my account otherwise I will close both accounts. If I am charged a Late Fee because my account can not be paid on time, I will present this matter for dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: World Acceptance Corporation
State: TX

Complaint narrative:
I am filing this complaint because World Acceptance/ World Finance has ignored my request stop reporting the negative account that was fraudulently opened using my personal information with their company. I have provided them with my police report and identity theft affidavit supporting this. I have also disputed this account on numerous occasions because of the inaccuracies reporting across all the different credit bureaus. Payment dates, open dates, and close dates are not consistent. 

Please resolve this matter as soon as possible. Thank you!

Company response to consumer: Closed with explanation