vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-29 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: PA

Complaint narrative:
I am distressed that TransUnion have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated and removed from my credit profile for illegal proof of payment and high credit amount reporting inaccurate information. 

Account XXXX XXXX XXXX I respectfully request proof of the late payments. This is an illegal proof of payment. Please provide proof of bank statements, receipts proving payments were late. Why is high credit reporting XXXX XXXX it should state XXXX XXXX not XXXX $ Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit report. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I will sue your company for failing to report accurate information and damages caused by your company! You are in violation continuing to report! 

In this complaint accompanies a copy of my current credit report showing proof of the inaccuracies reporting on my credit profile

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 2021-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Someone is also using my information to open bank accounts credit cards ect and pre-qualified WILL NOT STOP I have opted out so many times I even had apartments looked at under my information and I'm not doing it I found numbers and addresses I didn't have or live at credit that was removed put back and nothing has stopped its still happening with reports and XXXX I'm getting mad and I can't even get replaced ss card cuz of this mess and when enter information for free reports it gets hung up on me after iv entered it and more false credit crap being reported still and blocking me from even getting snow tires this has to stop there is also 5 miss spelled forms of my name on it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX

Complaint narrative:
A check for a roof repair was issued by the insurance provider. I spoke to the mortgage company around 8 weeks ago. I was told that the check was going to be held in escrow. 
I was told that my delinquent account with my mortgage company and negative payment history was the reason that the check was going to be held. I was going to get payments in 3 portions. I was told that the check would be made out to me, my former wife and the roofing company of my choice. I was told today that on XXXXthe full funds were released to my former wife. The roof repair was and has not been done. The insurance company will not look into my claims. I want to investigate the mortgage company and find out why they release the full amount of the insurance check. Why weren't the funds held like they told me they were going to? Rushmore loan management is not upholding their legal rights to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: SC

Complaint narrative:
I had a home loan with XXXX XXXX  XXXX back in XXXX, my loan was transferred to XXXX in XXXX of XXXX. XXXX XXXX XXXX shows closed on XX/XX/XXXX. But over 7 years has pass, and they will not remove from my credit reports. The loan, never was late, I did the make a home affordable plan 2 times. And was approved both times, but I did continue to make my payments. I JUST WANT XXXX XXXXXXXX XXXX OFF MY REPORTS, I HATE THAT BANK.

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 2021-12-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
USAA will not follow my instruction to change location of direct deposit of my $ XXXXmonth lifetime annuity. 
I filled out the required form and sent it two months ago to the USAA address on this complaint.

I have called USAA multiple times and been put on holds for a long times, being transferred from Department to Department and nothing gets done. This is a repeat experience what I experience with USAA one year ago. I would gladly transfer my USAA lifetime annuity to another financial institution if USAA would set me free!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: GA

Complaint narrative:
This company has STILL not updated my Equifax credit report as of XX/XX/2021 to show this account has a XXXX balance and has been paid in full as of XX/XX/2021. I am currently in the process of buying a home and this is significantly lowering my credit score and preventing me from obtaining my final approval and being able to close due to the inaccurate information showing ( account balance, monthly payment, account still open, etc ) all of which is wrong. I have requested this be corrected numerous times both with this company as well as Equifax. There seems to be no sense of urgency on either part. It has been almost 2 months now since payoff and I am now in jeopardy of not being able to close timely on my home because of this. I need this corrected immediately and XXXX  # 's provided for the Equifax submission for the credit bureau update. Otherwise, I will suffer significant financial damages as a result of this incorrect credit bureau reporting which has lowered my credit score and is causing me to be denied financing and/or will be forced to take a much higher interest rate as a result. This is an URGENT matter. I am well aware they are capable of submitting this request to the credit bureau to make this correction happen timely. 

Confirmation of payoff attached. 

The other 2 credit bureaus have already updated this information accurately over 45 days ago. Equifax still has NOT!!! Sufficient time has passed for this correction to have been made. I have also disputed the account with Equifax with still no response. I have attached proof of this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: NY

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself. I'm not swayed that Transunion efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Transunion is reporting inaccurate information on the listed accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( XXXX XXXX, XXXX XXXX, 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 2021-12-29 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: NC

Complaint narrative:
I noticed inaccurate and unverifiable accounts on my credit report. Dispute letters were sent to TransUnion, XXXX and XXXX for verification. Unfortunately, the unverified accounts are still reporting on my account. I feel like my rights are being violated at this point. Please Delete 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 non-monetary relief
Consumer complaint received 2021-12-29 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: GA

Complaint narrative:
There are some inquiries on my credit report that I did not make, I believe that they are due to identity theft, I do not recognize these inquiries on my credit report, I did not authorize them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
XX/XX/2021 Dear XXXX XXXX, Lvnv Funding Llc has purchased your XXXX XXXX XXXX account from XXXX XXXX XXXX. 

Your account has been placed with our office for collections. We understand that this can be an unpleasant experience, but we want you to know that we are here to assist you. 

We want you to feel like a person, not an account ( it is sort of our thing ) We have payment options available online 24/7 if you would like to make a payment. 

If you would like to resolve this matter, but are unable to take advantage of the options offered on our portal, ( seriously, take a look and tell me those are not some sweet options ) please don't hesitate to contact us at ( XXXX ) XXXX or simply respond to this email so one of our account representatives can follow-up with you as soon as possible. 

Current offer : Up to {$450.00} off in up to 18 payments View My Options Have questions? Call us at ( XXXX ) XXXX or simply reply to this email so we can assist you. 

The law limits how long you can be sued on a debt. Because of the age of your debt, LVNV Funding LLC can not sue you for it, and LVNV Funding LLC can not report it to any credit reporting agency. 

This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request from this office in writing within 30 days after receiving this notice, this office will provide you with the name and address of the original creditor, if different than the current creditor. 

Our Reference Number : XXXX Original Creditor : XXXX XXXX XXXX  Original Creditor Account Number : XXXX Current Creditor To Whom Debt Is Owed : LVNV Funding LLC Current Creditor Account Number : XXXX Total Balance Due : {$910.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Someone is also using my information to open bank accounts credit cards ect and pre-qualified WILL NOT STOP I have opted out so many times I even had apartments looked at under my information and I'm not doing it I found numbers and addresses I didn't have or live at credit that was removed put back and nothing has stopped its still happening with reports and XXXX I'm getting mad and I can't even get replaced ss card cuz of this mess and when enter information for free reports it gets hung up on me after iv entered it and more false credit XXXX being reported still and blocking me from even getting snow tires this has to stop there is also 5 miss spelled forms of my name on it

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 2021-12-29 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: TX

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report, to this day 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 ), stales plain and clear that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it is past the 30 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 several breaches, including the XXXX data breach and have gotten into the hands of the wrong person. I have provided all my proof of me being a victim of identity theft and have filed several FTC reports and this situation is being ignored by the bureaus.

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 2021-12-29 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: TX

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report, to this day 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 ), stales plain and clear that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it is past the 30 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 several breaches, including the Equifax data breach and have gotten into the hands of the wrong person. I have provided all my proof of me being a victim of identity theft and have filed several FTC reports and this situation is being ignored by the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: TX

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from 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 2021-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
It seems that I call and call, I try to opt out and all this for years now. 

I have asked Capital One to remove me from their mailing lists. I keep getting this XXXX ; What do I have to do to get them to stop? Do I have to go there in person? 

MY Name : XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX I WANT THEM TO STOP MAILING ME CARD OFFERS! ( OR ANYTHING ELSE )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was charged a late fee after failing to make a payment one-day late. Capital One refused to waive the fee and even though the merchant charges and interest have been paid, Capital One continues to charge late fees even though I closed the account on the day I called about waiving the late fee and Capital One refused. Attached is one of several attempts Capital One has made to negotiate the late charges it has assessed to the closed account. 

This tactic of " negotiating '' a late charge is similar to a mafia protection racket, where the mafia sells protection services when the mafia created the injury to property or person in the first place. Additionally, Capital One is engaging in an insidious tactic that most consumers may not recognize ; ANY partial payment extends the statute of limitations for debt collection. 

Included in the attached file is also the consumer statement I have added to my XXXX credit report. You can see that Capital One did not dispute the facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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:
This is XXXX XXXX who is submitting this CFPB complaint myself. I'm not swayed that Experian efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Experian is reporting inaccurate information on the listed accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( XXXX XXXX, XXXX XXXX, XXXX 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 2021-12-29 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: NY

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself. I'm not swayed that Equifax efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Equifax is reporting inaccurate information on the listed accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( XXXX XXXX  XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
We opened an HELOC in XXXX. 
We wrote two checks against it, dated XX/XX/XXXX & XX/XX/XXXX. 
It was payments for purchases/services. They were not cash advances.

HELOC 's apparently are very different, so the cash advance designation remained.

We were making payments on that obligation. 

Then, I got diagnosed XXXX. My remaining life expectancy was 6 months to 2 years. XXXX has no cure to this day, expect a XXXX transplant. My chances for a transplant were negligible. It was 'first come first serve '' operation and I was at the end of a very long line. What saved me was a new law ( XXXX, XXXX XXXX XXXX XXXX  ) passed in XXXX which altered how transplant recipients were prioritized. I was XXXX at the time, and otherwise healthy. I jumped in front of the line based on the XXXX. I am a blessed man. 

I underwent a XXXX XXXXXXXX transplant in XX/XX/XXXX. Post-transplant life has been extremely gratifying, and equally challenging. Recovery has been even more challenging due to chronic rejection. 

It took years before I was able to get back to my wordily affairs. I was startled to see our HELOC balance at {$99000.00} on statement dated XX/XX/XXXX. We had made every payment since XXXX and expected the balance to be much lower. Since, I have been requesting information from PNC about why our balance is so high. It took years but it was identified that that there were two additional checks written on XX/XX/XXXX and XX/XX/XXXX. Both were listed as " Convenience Check XXXX MI ''. We did not write those checks. We have been asking for years if we can get copies of those checks. We have not missed a payment. This morning ( XX/XX/XXXX ) we received a call form PNC representative to discuss the issue. He concluded the conversation by stating that PNC is only obligated to provide copies of the documents for 7 years so they will not provide us the check copies. Also, if we stopped making payments, they will take us to collection. 

We have all supporting documentation, if needed. Please advise if you can help us in resolving this matter. Thank You.

Company response to consumer: Closed with explanation