vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-15 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: IA

Complaint narrative:
Dear Legal Department : Re : Acct # XXXX This letter is in regards to a phone call I placed to your company regarding the account listed above on XXXX. I called to inquire about this account that is listed on my Credit Reports. I spoke Customer Service Representative named XXXX, as provided by her. She informed me that your company does not have any information on this account that it was all sent to a collection agency. How did you investigate this account without any documentation? I contacted the collection agency your rep told me about and they could not validate the debt. This collection agency subsequently removed all information regarding this account from my credit reports. If this incorrect information is not removed from my credit reports, I will file suit against your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: IA

Complaint narrative:
Dear XXXX Department : Re : Acct # XXXX This letter is in regards to a phone call I placed to your company regarding the account listed above on XXXX. I called to inquire about this account that is listed on my Credit Reports. I spoke Customer Service Representative named XXXX, as provided by her. She informed me that your company does not have any information on this account that it was all sent to a collection agency. How did you investigate this account without any documentation? I contacted the collection agency your rep told me about and they could not validate the debt. This collection agency subsequently removed all information regarding this account from my credit reports. If this incorrect information is not removed from my credit reports, I will file suit against your company.

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 2022-01-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: AL

Complaint narrative:
XX/XX/XXXX I received a letter in the mail from IQ data stating that I owe my previous landlord XXXX along with a letter breaking down the charges.I attempted to dispute this amount via XXXX  XXXX  but it was denied. I spoke with XXXX XXXX ( possibly XXXX ) during my move out inspection and asked her infront of witnesses just to have some sort of proof in the event of an issue, I asked her how much of my deposit they would keep she stated well I know you told us months ago you would not renew your lease and you were moving out but we will have to charge you up to one months rent for you moving out since its not in writing so you wont get your deposit of XXXX back we then did a walkthrough and she stated I would be charged for a small repaint in the kids bedroom due to a wall decor pulling paint off and the stove eyes needed to be replaced! So again I asked how much am I going to have to pay she said XXXX minus my XXXX deposit ( I have the person who helped me clean the unit willing to give a notarized statement of this ) Now this was done on XXXX due the office being closed on XX/XX/XXXX when we moved out and there being no drop box for the keys.The charges are ridiculous I have paid off this property once without asking any questions but I will not pay for something that was falsified I have my uhaul receipt showing I removed all of my things out of the unit on XX/XX/XXXX but they charged me for 3 days saying I still was staying there FALSE again.I have no problem paying for breaking the lease but the carpet paint and other charges are all incorrect the carpet was cleaned the week we moved out BY XXXX  Vendor due to a raw sewage leak. I know I am not the first to have an issue with them and I have previous tenants willing to take legal action in form of a class action suit against them for the same exact reasons.The pandemic was rough and I still had to move and provide for my children bc the sewage leak was a common issue and I didnt want my kids sick from exposure especially during the start of the pandemic.My lease is ending and just as Im applying for a new place I get this letter now if they are willing to talk about charging me for the lease being broken thats different but I will not just give IQ data more money than I actually owe like the last time I was told I owed XXXX but had to pay around XXXX to them to get it in good standing I need this issue resolved in a timely manner!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, UT XXXX phone number XXXX. Opened a fraudulent account in my name with fake address and phone number. XXXX XXXX XXXX XXXX XXXX, TX XXXX. Phone number XXXX and birth year 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 2022-01-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My husband and I were applying for home loans in XX/XX/2021. We shopped around with a few lenders including XXXX. The loan XXXX from XXXX we worked with was XXXX XXXX XXXX. He ended up pulling our credit multiple times without our consent, but since at the time we were shopping for a home loan, we did not do anything about it. 

We bought our home in XX/XX/2021 through another lender and have not applied for a home mortgage since then. 

Recently on XX/XX/2021, XXXX XXXX XXXX pulled our credit ( both me and my husband ), even though we are in NO WAY engaging in business with him. We tried to contact him to get him to reverse the credit pull but were unsuccessful. We also filed disputes with Equifax ( both me and my husband separately ), but Equifax upheld the credit pull as valid, even though we did not authorize it and are NOT seeking a mortgage from XXXX. 

Since we are not getting any help from XXXX XXXX, XXXX or Equifax, we need to file a report to get a resolution and remove the credit check. I'd also like to report XXXX for erroneously pulling credit without our consent both in XXXX when we were shopping for loans, and many months later in XXXX when we had no relationship or contact with him.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
I received a statement in the mail today for a {$20000.00} loan made in my name but not by me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: VA

Complaint narrative:
RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX XXXX, VA XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( XXXX ) XXXX. Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, VA XXXX XXXX, XXXX XXXX XXXX Attached is a copy of my State ID as well as my XXXX bill showing proof of address

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 2022-01-15 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: IA

Complaint narrative:
Dear XXXX Department : Re : Acct # XXXX This letter is in regards to a phone call I placed to your company regarding the account listed above on XXXX. I called to inquire about this account that is listed on my Credit Reports. I spoke Customer Service Representative named XXXX, as provided by her. She informed me that your company does not have any information on this account that it was all sent to a collection agency. How did you investigate this account without any documentation? I contacted the collection agency your rep told me about and they could not validate the debt. This collection agency subsequently removed all information regarding this account from my credit reports. If this incorrect information is not removed from my credit reports, I will file suit against your company.

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 2022-01-15 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: CT

Complaint narrative:
Experian been reporting incorrect information in my report a contact them more of 40 times this past years a let them know open numerous disputes the account incorrect payment history incorrect different information reported each bureau lack of inconsistency past due Account status multiple charge off charges whem charge off account should stop reporting no more activity .2 account of XXXX 1 from XXXX XXXX XXXX XXXX XXXX incorrect information reported this 4 account have notable discrepancies.Experian in time record finishes disputes in less 5 days not really investigate just pretend whem is very clear

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 2022-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity Properties Inc.
State: OH

Complaint narrative:
There is a collection account opened in my name by FIDELITY PROPERTIES IN. They claim my original debt is owed to XXXX XXXX. The collection was opened on XXXX XXXX 2017. I do not know how this charge came under my name. It could be a case of Identity theft? I did not go to XXXX hospital that year or the preceding year for any purpose! There is nothing in my medical records to reflect this alleged charge. I tried to dispute this charge through all 3 credit bureaus. XXXX and XXXX both removed the collection from my account. XXXX did not. They contacted the collection agency and claim the charges are valid. That is impossible. There must be some record of me visiting the hospital or getting some procedure done to account for these charges. No one has produced any evidence to validate these charges. There must be something. An emergency room admission, test results, medical records, something. I know for a fact they can not have any of these things as I had no reason to go to the hospital. I am healthy. I have had no accidents. I have not been ill. If they have something in my name the only logical explanation is someone else used my name falsely to avoid the charges themselves. Even if that is the case there should be video evidence to prove that the person seeking medical attention was in fact not me. I do not know how else to dispute these charges. If this is not something that your organization handles could you please direct me to the proper channels that I may have this removed from my records. It has significantly damaged my credit rating. There is about XXXX points difference between the 2 valid reports and the one with the false charges. This keeps me from building my credit and gives me higher interest rates. Please help me in this matter. I would like to know where these charges came from and how they were placed under my identity. They can not possibly be valid as the hospital visit never happened. At least not by me. I have no documents to attach as this is a false charge and never happened. Thank you for your assistance in this matter. Sincerely- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Well i finally have gotten one fraudulent accounts that were in collections removed and instead of XXXX, XXXX, and TransUnion, XXXX XXXX raising the score XXXX points like advertised, it dropped XXXX, ive been writing vigorously trying to get fraudulent debts where law enforcement and my ex took credit cards out in my name and got loans and services using my information or changing my personal information so they could steal and ruin my credit, all the services and beruas show conflicts of information, I just applied for Credit Cards for the first time in 25 years and it shows ive had them before but it was done fruadulant, I used a company XXXX XXXX XXXX for 25 years and never needed a credit card, i always thought my credit would go up over time and it never did because someone was committing fraud using my information, I want all debts and closed collections removed from my reports globally, i onlywant 1 name on my reports XXXX XXXX  XXXX steal from me or use my information, they probably have fake id, XXXX XXXX XXXX XXXX is the only name i go by ever in life, my address is XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX, take off all those old fraudulent addresses ive never lived in Florida or NJ or Tennessee, I want myscore adjusted to what it would have been if fraud wasn't committed, I work at XXXX now XXXX XXXX XXXX XXXX XXXX XXXX, and formally at XXXX XXXX XXXX XXXX, everything else i want off of my reports globally, so its not so easy to keep doing this to me, i cant even get a apartment in my name and ive done nothing wrong, XXXX is my only social security number my only phone number is XXXX before that i used a company provided cell phone. Please help me getthis all straightened out. My future and life depends 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 2022-01-15 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Well i finally have gotten one fraudulent accounts that were in collections removed and instead of XXXX, Equifax, and XXXX, XXXX XXXX raising the score XXXX XXXX like advertised, it dropped 21, ive been writing vigorously trying to get fraudulent debts where law enforcement and my ex took credit cards out in my name and got loans and services using my information or changing my personal information so they could steal and ruin my credit, all the services and beruas show conflicts of information, I just applied for Credit Cards for the first time in 25 years and it shows ive had them before but it was done fruadulant, I used a company XXXX XXXX XXXX for 25 years and never needed a credit card, i always thought my credit would go up over time and it never did because someone was committing fraud using my information, I want all debts and closed collections removed from my reports globally, i onlywant 1 name on my reports globally XXXX  XXXX steal from me or use my information, they probably have fake id, XXXX XXXX XXXX XXXX is the only name i go by ever in life, my address is XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX, take off all those old fraudulent addresses ive never lived in XXXX  or XXXX  or XXXX, I want myscore adjusted to what it would have been if fraud wasn't committed, I work at XXXX now XXXX XXXX XXXX XXXX XXXX  XXXX, and formally at XXXX XXXX XXXX XXXX, everything else i want off of my reports globally, so its not so easy to keep doing this to me, i cant even get a apartment in my name and ive done nothing wrong, XXXX is my only social security number my only phone number is XXXX before that i used a company provided cell phone. Please help me getthis all straightened out. My future and life depends on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX I made a furniture purchase from Raymour & Flanigan in XXXX, NJ. The total of the purchase was {$7100.00}. This amount allowed me to participate in a 36 month no interest financing promotion. XXXX months later I made a second smaller purchase on the same line of credit for approximately {$300.00}. This purchase was made through XXXX XXXX XXXX 's website because XXXX had shut the physical stores down. My account was set up on Auto pay so my account was always paid on time and this was confirmed by the financing company TD Bank. After 8 months of timely payments I then received a notice that my account was charged all the back interest. This is not the promotion I signed up for. I was told multiple times by the Salesman ( XXXX XXXX, XXXX, NJ ) that I was under a 36 month no interest promotion. I contacted both Raymour & Flanigan and TD bank numerous times in attempts to have this resolved before it spiraled out of control. Each time I tried I was either transferred repeatedly or thrown on hold with no head way made at all. My account went into collections in XXXX of XXXX and was eventually charged off in XXXX of XXXX. During XXXX I was attempting to rectify this situation so I could repair the damage it had done to my credit and as stated earlier I was unable to get anything accomplished. All I am looking for is to have the derogatory marks taken off my credit file and all late payments removed from my report. I am willing to pay exactly what I owe to this company MINUS the inappropriately applied interest. I understand my financial obligation to Raymour & Flanigan and also TD Bank so I do not dispute the principal owed to them. I am simply requesting that the error committed by them be taken care of in a satisfactory and timely manner. This has caused me and my small business unnecessary stress given the toll it has taken on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: FL

Complaint narrative:
I have sent letters to the reporting agencys to remove all negatives remarks all late payment all inquiries on my accounts but the refuse to do so.scammers have also use my social security number to apply for things I have no knowledge of

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 2022-01-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
I have received 4 different letters in the mail, from 4 different companies ( Target, XXXX some outdoor store in OH, and XXXX ), saying that either the application was denied due to credit score or lack of information. One application said it was approved, and I still need to contact them to close it, but need to wait until after the weekend. 

I unfortunately didnt keep the paperwork after calling the companies, so I dont remember the exact dates, but they were all around mid-late XXXX 2021. All of the companies filed a fraud report and closed the accounts that I received letters for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have paid the items that we had discussed and the company was to remove the report. I tried to dispute it and now they just added it to another account. Capital one

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: NY

Complaint narrative:
In XXXX of XXXX I paid off my card credit balance XXXX XXXX XXXX  since XXXX XXXX XXXX XXXX has not reported to TransUnion the correct information till this day which is XX/XX/XXXX the credit bureau is TransUnion credit report thet are still showing I owe a balance of {$760.00} also XXXX XXXX closed a good standing account and they still have not reopened the account I've been fighting with them since XXXX of XXXX and now we are in XX/XX/XXXX I have been denied an apartment because inaccurate information is reporting on 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