vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-07 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I have been trying since XX/XX/2022 to get my minor son 's credit file frozen. The first time, I received no response from the company at all. I have called them for assistance at least XXXX times. I have faxed in all documentation at least XXXX times. And I have mailed them all documents at least once ( I think actually twice ). I have also faxed them explaining the situation and asking for someone to call me back and have received no response. The past XXXX times I have only received a form letter asking me to submit all of the information again. 

In summary- Equifax can not answer any questions about my son 's file over the phone. They send form letters asking for information already submitted multiple times and say that no one can call me back to explain the issue. The last person I talked to over the phone said that possibly one of my documents was illegible, but this would be the fourth, if not fifth, time that I have sent all of the information in. I am quite frankly not wanting to expose my son to identity theft by stolen mail by AGAIN sending copies of his SSN, etc. into them. This whole issue was started by social security information about my other child stolen from our mail route. And now Equifax refuses to place a freeze to protect my son 's identity or credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: PA

Complaint narrative:
I'm disputed and requesting the proper investigation of Inaccurate non validated information being report by the thee bureaus. XXXX they are currently reporting 6 total accounts 4 open, 2 closed, and 2 delinquent which is not validated and also being disputed with those companies as well. XXXX has XXXX as open and those accounts currently have a balanced paid in full. They have self/lead closed with XXXX balance. XXXX is also reporting 10 unauthorized and inaccurate inquiries from various companies without my permission and are defaming my character as a consumer. XXXX currently has my current address incorrect, reporting 8 accounts 6 open accounts 2 closed, 2 delinquents 3 inquiries. Equifax is currently showing 8 accounts totaling 6 open accounts, 2 closed, 2 delinquent and 2 inquiries. In light of the investigations that have been bought upon Equifax and XXXX I find that my consumer report is being irresponsibly tampered with with all three. I asked that respectfully all inaccurate information be removed and or properly investigated/validated as per federal law I'm owed accurate and fair reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm disputed and requesting the proper investigation of Inaccurate non validated information being report by the thee bureaus. XXXX they are currently reporting 6 total accounts 4 open, 2 closed, and 2 delinquent which is not validated and also being disputed with those companies as well. XXXX has XXXX as open and those accounts currently have a balanced paid in full. They have self/lead closed with 0 balance. XXXX is also reporting 10 unauthorized and inaccurate inquiries from various companies without my permission and are defaming my character as a consumer. Experian currently has my current address incorrect, reporting 8 accounts 6 open accounts 2 closed, 2 delinquents 3 inquiries. XXXX is currently showing 8 accounts totaling 6 open accounts, 2 closed, 2 delinquent and 2 inquiries. In light of the investigations that have been bought upon XXXX and XXXX I find that my consumer report is being irresponsibly tampered with with all three. I asked that respectfully all inaccurate information be removed and or properly investigated/validated as per federal law I'm owed accurate and fair reporting.

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 2022-11-07 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AC AutoPay LLC, Denver, CO Branch
State: TX

Complaint narrative:
On XX/XX/2022 my car was stolen by a man claiming to have a repo order from ac autopay for my vehicle. He was abusive and threatening and said XXXX XXXX XXXX XXXX XXXX XXXX XXXX so I called police. The police forced me to let him to take my car. They refused to let me get my things out as well, including my XXXX XXXX  jewelry and last will and testament, stating I would need to wait on the notice I'd receive after the repossession. I of course never received anything from them. 
I don't owe ac autopay money and they never had a security interest in my car let alone a valid ( or invalid for that matter ) lien on my title. They are an aggregator that my husband tried to use for a refinance. However, they sent the wrong payoff amount, charged sales tax stating he purchased the car from them when he didn't, and failed to remove my name from the title to complete title work and the lender closed the account and reported it as paid in full on my husband 's credit report in XX/XX/2022. The contract has no account info, is dated over a month before they said they completed paperwork, listed it as a sale including illegally charging sales tax, again they never took me off the title while i had nothing to do with the loan, and THE CONTRACT WAS NOT WITH AUTOPAY BUT WITH A CREDIT UNIION. The lender closed the account because it wasn't a valid contract. 
We were told by autopay rep that they don't repo cars and we were asking the wrong people where my car is. We have no idea where it is or where our belongings are. We've heard nothing from anyone about any of it. 
They stole my car. I have verified who the lienholder is and it is listed as the original lender, who did not repossess the car, as we no longer owe them money. They reported the repo on his credit report and we disputed it as fraud and transunion investigated and deleted it from his file. 
As of today I have had to almost 2 months without a vehicle for my family of XXXX, while my car was illegally taken by people who had no right to it. My mothers jewelry was stolen and no one will tell us anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: AZ

Complaint narrative:
In XXXX we banked my son 's XXXX XXXX  with XXXX XXXX XXXX in XXXX, Arizona, when he was born. We decided to keep the XXXX XXXX when my daughter was born in XXXX with a XXXX XXXX, as there was promise of XXXX XXXX XXXX XXXX XXXX. My daughter received XXXX XXXX in XXXX, which XXXX XXXX XXXX XXXX XXXX XXXX XXXX That means there is no longer any opportunity to XXXX XXXX XXXX XXXX as they are XXXX. 
Additionally, when new research indicated doctors do not need XXXX XXXX XXXX but rather just a person 's own XXXX XXXX ( which are regenerative ), it was clear we no longer needed to bank our son 's XXXX XXXX 
I called to cancel our subscription. 
Then, out of the blue, long after cancelling, after never hearing from the company for years and years, I received a notice from AWA Collection agency in XXXX, XXXX, stating I owed {$480.00}. 
How can the XXXX XXXX XXXX erroneously compile charges, NEVER contact us about them ( XXXX confirmed they still have the correct contact information for us ), then just send said charges to a collection agency, to get us to pay money we don't owe or threaten to ruin our credit???? 
This is EXTORTION. 
Had I been notified of such charges, I would have addressed them and corrected the record. My credit rating will show I do not ignore or not pay my bills. 
AWA Collections is attempting to collect this money, but this debt is not ours. I ask the company clear this off our record, and ensure this does not go to any credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
I had a transfer of loan servicer to Mohela when my previous XXXX XXXX  was transferred to other companies. My employer pays my loan payment for me. When they switched they requested a XXXX from Mohela. I called in XXXX, the service representative did not know what I was talking about and instructed me to wait for something in the mail. I called again in XXXX. Same response. I then argued with the accounting department at my employer to verify that what they were saying was correct. I sent an email message on XX/XX/2022 regarding the same. I still have not received a response. I then called again on XX/XX/2022 and received different information that I was to upload a form. I uploaded the formed on that same day and the representative I spoke to verified that she could see it and that it would be handled within XXXX business days. I have just received a message that there is a delay in responding to my form. I have taken a half-day off of work to wait on hold now twice and I have now missed out on {$6600.00} of loan repayment from my employer in the last 4 months due to delays in this form by either misinformation or delays coming directly from Mohela employees . I would like to file an official complaint with Mohela, and the CFPB. I would like consideration for transfer to another loan servicer if at all possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: PA

Complaint narrative:
I am XXXX XXXX and I have sent multiple letters regarding unknown accounts in my report. It has been more than 30 days, but I did not receive any response or results. I am thinking that they are not attending to my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC.
State: KS

Complaint narrative:
I was sent an offer for personal loan from NetCredit. The email stated " check your eligibility '' " This won't affect your credit score. '' So I entered my information just to see the offer. I then received the notification " Congratulations You're eligible review and compare offers below '' I reveiwed the offers but did not go any further than that. I did not choose an option because at that point I was just seeing what type of loans they had. Next thing I know I get a letter by email from a company called XXXX  saying i've been denied and I checked my credit score and credit score dropped by XXXX  points to unfavorable when it was good earlier this morning. This is highly deceptive and fraudulent.

I have the screenshots of the company telling me I am eligible and then telling me congratulations.

I want to file a formal complaint and find out what I can do to retain my former credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-11-07 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-11-07 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: DE

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 8 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2022-11-07 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify trough the physical verification of the original signed document contract any and all accounts you post on a credit report. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I expect to see an original proof of the accounts that I am listing below. 
Under FCRA unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand that you remove these accounts immediately : NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the FCRA regarding your refusal to delete UNVERIFIED information from my consumer life.

IN tent to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Sections 617 if the UNVERIFIED items listed below are note deleted immediately.

A copy of this letter as well as the previous letters that I have sent you will be part of the file that will be submitted to the FTC and used as evidence of your negligence to perform the duties outlined by the FCRA.

If you claim that these accounts are verified, who verified this account? You did not provide me with a copy or any documentation to serve as verification of this account.

The law is very clear as t the Civil Liability and the remedy available to me.

this company, has not been able to verify, come the time of the law, all the fraudulent information, nor has it provided evidence, nor verification method, sending me a letter asking me 15 more days, than what the law stipulates,

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 2022-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
One again, Convergence is hounding and harassing me for a matter that should have been settled already. They previously took off this false debt and are now putting it back on my credit report for the purpose of damaging my sense of self and harming my financial prospects. 

I did not realize it at the time, but this company has also been calling me daily. I did not realize that since my phone filtered those calls as spam, which I believe is indicative of the abusive tactics utilized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: EAST WEST BANK
State: NY

Complaint narrative:
on XX/XX/2022 east West Bank send me a text that someone is trying to use my debt card in north Carolina at XXXX for XXXX XXXX dollars then east west bank call me and I said its not me I am in my home town so the charge did not go through told bank to stop all charges I call bank immediately that night and they said someone had already spent {$6500.00} at XXXX store in Texas but it did not go through then they call me back next morning saying it was process with other charges of {$5000.00} + {$5000.00} they said not to worry these wire transfer didn't go through in the amount of {$10000.00} this was on XXXX 2022 but East West Bank allowed a separate wire transfer of {$8300.00} to go through they let go because its the only way to reimburse us I have called bank a hundred times and they keep saying I can't speak to their fraud Department only my branch I can speak with about my account charges that was fraudulent they have been stringing me along until now no answers as yet I hope I can get some help thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Kikoff Inc.
State: CA

Complaint narrative:
Im getting emails stating I have a kickoff account but I dont remember making an account with them and Im getting charges and its making my credit bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: AZ

Complaint narrative:
I received a letter dated XXXX XXXX fr0m TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Stating that my credit report has information for XXXX XXXX  credit cards that my interest rate was to be raised due to the : serious delinquency, not explaining what the delinquency is. That my ratio of credit limits is too high ( yet no late payments and I always pay much more than minimum and on time. Also that I had too many accounts ( again, paid on time and paid off! ) And the delinquency is unknown, TransUnion has no idea! TransUnion has for many years given these false, undated and unknown credit reporting and clean my files and continue to update.

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 2022-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XXXX changed credit card company XXXX Bank XXXX XXXX to Comenity Bank. 
I have a life insurance policy from XXXX and I did not want another card so I tried to decline and they are trying to bill me before the new card even got charged with Life insurance premium with late fees and interest. after I had already paid XXXX Bank XXXX XXXX and my pre existing XXXX bank card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-07 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: FL

Complaint narrative:
I have unauthorized inquires on my credit profile and they need to be deleted

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 2022-11-07 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you complete the investigation and accuracy of the account listed below : Account Name : XXXX. # XXXX The issue has already been addressed with Equifax and they did not modify or delete this information from my consumer report. They have also taken more than 30 days to complete this investigation.

Company response to consumer: Closed with explanation