vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-18 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XX/XX/XXXX I received an alert for a hard inquiry from XXXXXXXX XXXX that was not authorized. I advised XXXXXXXX XXXX that this was un-authorized and they fail to assist in removing the inquiry off my credit report. 

In addition I have Equifax several times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) documentations, They have consistently lied about obtain legible documents despite having agents read the documents to me. They have refused to remove the inquiry after providing the documentations as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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:
I XXXX XXXX XXXX, natural person, living person is giving written instructions to Experian to remove and cease furnishing any and all reporting activities in regards to the accounts above.

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 2022-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
I have repeatedly applied for a loan modification from the servicing company.In XXXX of 2021, I was informed that I had been been approved for a modification, but that the appraisal company was unable to contact me to conduct a valuation of the property, so my file was " cancelled ''. I have applied and re-applied since then without success or assistance. I am XXXX  and I feel that the servicer has consistently given me the run-around due to my poor English skills. 
I am submitting this complaint and am will be retaining an attorney as well.

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 2022-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter to them last XX/XX/2022 and until now I didn't received any response nor see any changes with my report. I never gave anyone any written consent to report anything on my credit report because of this they are violating XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ) - Permissible purposes of consumer reports ( XXXX ) ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
A bankruptcy is showing on my Equifax credit report that doesnt belong to me. Im currently in the process of trying to get approved for a home and this is preventing me from doing so. I contacted Equifax directly and they were supposed to be removing this public record as it is a result of a mixed file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Direct Account Management
State: CA

Complaint narrative:
XXXX XXXX at Direct Account Management gathered general information from me on XX/XX/2022 at XXXX XXXX and said I was pre-qualified for an income based loan forgiveness that worked with the Department of Education . It would save me about XXXX XXXXXXXX of interest. After 60-90 days, my loan at XXXX ( my current student federal loan service ) will reflect {$0.00} and I will make 6 monthly payments of {$200.00} that would go into escrow during the transition period. After that, I would make 240 payments of {$230.00}. This is a total of {$54000.00} of my loans. To continue this income base loan forgiveness, I need to provide 2 recent payment stubs annually. After explaining the payment options, which seemed too good to be true, he sent a document via text. He said I needed to sign and initial the document sent to my phone. I said I needed time to review the document and he said its the standard contract nothing I should worry about. At this point I felt pressured. So he started sending me other texts like his direct line to ensure me its fine. Once I signed the documents, he said I need to provide 2 recent payment stubs by this weekend to fully submit my application. Also, he read a summary and asked me to acknowledge my understanding. I was uneasy when I said yes and very vulnerable thinking I was actually getting help. After I speaking with him, I called back immediately on his direct line to cancel and he said that if I feel uncomfortable that he would walk me through the FASFA website. Luckily, I received another call and had to end the conversation. I have not spoken with XXXX since then and I feel very uncomfortable with the Direct Account Management service. I feel very uneasy. They have all my personal information, including social security #, credit card, home address, name, date of birth, and he created an XXXX account for me. I have a copy of the documents I signed, which seem to be a power of attorney, that I can provide. 

Here is the text he sent with his contact information : It was a pleasure speaking with you today and I am very happy I could help. 
Feel free to respond here on this Texting Only line - or if you wish to call me please Dial my direct line which is XXXX. Do not forget to turn in your POI at your earliest convenience. Take care! XXXX XXXX, XXXX XXXX XXXX. 
Email - XXXX Fax - XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Early XXXX I attempted to get my free annual credit report and was only provided with my XXXX and XXXX and I got an error message that my Equifax report was not available. I went to the Equifax website to attempt to login only to get an error message telling me to call XXXX for assistance. I called the number and no one has been able to tell me why I cant access my account and that the would proceed to open a ticket and will call or email me when the issue has been resolved. I spoke with someone on XX/XX/22 who assured me the issue was resolved yet I am still not able to access the account. I called Equifax again on XX/XX/22 and spoke to an agent who told me that I needed to send if all this proof of identification to open a case to " see '' why there was a block on my account but couldnt tell me if the issue can be resolved. I spoke to someone in the Consumer Affairs department and they still cant get it resolved and have continued to open tickets that never resolved the issue. I cant even access my Equifax reports from XXXX party sites.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: TX

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-03-18 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: TX

Complaint narrative:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LoanCare, LLC
State: AZ

Complaint narrative:
Loancare is reporting to the credit reporting agencies that our loan was discharged through bankruptcy when it was NOT. I've submitted paperwork showing that it was never discharged, payments were never missed ( but this was not reported ) and the loan was paid off when we sold the home. We did have a bankruptcy, but the home was NOT included in discharged assets. I've sent the bankruptcy documents, sale documents, and payment history to XXXX and they continue to mark it as discharged through bankruptcy.

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 2022-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I have tried reaching to this company regarding this matter. fraud account, no contract

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18 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: GA

Complaint narrative:
A debt collector was allowed to post inaccurate and incorrect data on my credit reports without first providing validation per XXXX, on XX/XX/XXXX i demanded verification/proof of this debt from XXXX XXXX XXXX and to date XX/XX/XXXX have not received this verification which is in direct violation of the Fair Credit Reporting Act. 

I have attached proof along with XXXX certification receipt showing it was received by XXXX XXXX. XXXX which clearly shows this company is in direct violation of XXXX laws.

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 2022-03-18 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: GA

Complaint narrative:
A debt collector was allowed to post inaccurate and incorrect data on my credit reports without first providing validation per XXXX, on XX/XX/XXXX i demanded verification/proof of this debt from XXXX XXXX. XXXX and to date XX/XX/XXXX have not received this verification which is in direct violation of the Fair Credit Reporting Act. 

I have attached proof along with XXXX certification receipt showing it was received by XXXX XXXX. XXXX which clearly shows this company is in direct violation of XXXX  laws.

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 2022-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX {$1800.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXX period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( 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 2022-03-18 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: OH

Complaint narrative:
I XXXX XXXX XXXX, natural person, living person is giving written instructions to XXXX to remove and cease furnishing any and all reporting activities in regards to the accounts above.

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 2022-03-18 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:
I XXXX XXXX XXXX, natural person, living person is giving written instructions to XXXX to remove and cease furnishing any and all reporting activities in regards to the accounts above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
My complaint is against PayPal and their PAY in 4 service. On XX/XX/XXXX I purchased tires for my son using this service the amount was XXXX {$.00}. We attached his credit card to pay the four payments.On this date PayPal removed The first payment of XXXX. The merchant did not send for tires as we had purchased. They report two of the tires were lost in transit. They stated if we returned the two tires that we received they would refund the account in full. I immediately called PayPal and explain the situation to them. The male representative I spoke to told me this would not be an issue. He specifically told us to decline any further payments to the credit card as the merchant would be returning the funds. On XX/XX/XXXX the merchant returnsXXXX to the account. On XX/XX/XXXX PayPal credited my account the initial payment of two XXXX. They close the account as paid in good standing. The account was then re-open by PayPal and they began to report that I have missed two of the four payments. I sent to them statements from the credit card company showing that the first payment did go through the credit card account. Originally they had stated they never received the first payment. I then sent them statements showing that the amount that was disputed was closed when the merchant returned the monies to PayPal. I then sent a certified letter to PayPals legal department. I received a response from an attorney clearly stating that I owe no money on the account. I responded by email to her letter stating I was not asking for any monetary settlement I just want them to update their records to show my account does not owe any money to them. They refuse to do this. I have not received a response back from the attorney and as of this date the account still shows I/O money. on XX/XX/XXXX I received an email from PayPal stating they had transferred my account to XXXX to collect these funds they state I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act these companies have violated my rights : XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an 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 2022-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX is reporting to the credit reporting agencies that our loan was XXXX through bankruptcy when it was NOT. I've submitted paperwork showing that it was never XXXX, payments were never missed ( but this was not reported ) and the loan was paid off when we sold the home. We did have a bankruptcy, but the home was NOT included in XXXX assets. I've sent the bankruptcy documents, sale documents, and payment history to Experian and they continue to mark it as XXXX through bankruptcy.

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 2022-03-18 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian refuses to remove the following inaccurate information from my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX I have contacted them as of XX/XX/22, to inform them I've never resided at these locations, that is not my name, and some of the addresses are not identified by the XXXX. The rep XXXX refused to remove despite inaccurate reporting because in her words, " they are reported by creditors. '' This is inaccurate reporting on Experian 's behalf.

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 2022-03-18 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: VA

Complaint narrative:
TransUnion has several errors on their report. Not even the address is correct. When I brought this up to them they gave me instructions that were not possible to follow. I have no access to their investigation or the results and now they are ignoring me.

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 2022-03-18 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: AL

Complaint narrative:
Hi this is XXXX XXXX I looked on my experian report on XX/XX/2022 and noticed a few inquiries that I have not made as I have not applied for any thing in over XXXX years. Experian has extremely long hold times so its impossible to reach out to them for help. Ive tried numerous of times to get this resolved with experian

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