vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-28 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: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: NY

Complaint narrative:
I RECENTLY GOT A NOTIFICATION THAT THERE WAS A HARD CREDIT INQUIRY FROM XXXX XXXX XXXX XXXX ON MY CREDIT REPORT BEING REPORTED BY TRANSUNION. THIS INQUIRY IS INACCURATE AND THEREFORE IT NEEDS TO BE DELETED SINCE IT IS HURTING M Y CREDIT PROFILE. 

NAMXXXX XXXX XXXX XXXX  DATE : XX/XX/2022 ADDRESS : XXXX XXXX XXXX, XXXX, VA XXXX Phone : ( XXXX ) XXXX Inquiry Type : Individual PLEASE DELETE THIS UNAUTHORIZED INQUIRY 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 explanation
Consumer complaint received 2022-06-28 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: GA

Complaint narrative:
On XX/XX/2022 I sent a letter disputing several inaccuracies on my credit report. The company continues to state that the inaccuracies are verified. NONE of the disputed accounts have been DELETED from my credit file. 

ALL account are inaccurately reporting which goes against my rights as a consumer according to the FCRA

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 2022-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Asset Management Outsourcing, Inc.
State: PA

Complaint narrative:
XXXX called, I did not answer. They left a voicemail identifying themselves as Nationwide Recovery Service, a debt collection company, attempting to collect a debt. not a sales or telemarketing call. Please contact us regarding an important business matter at XXXX. I called back, to speak with a representative, whom asked me for an account number. I explained it was a voicemail, and I was concerned this was a scam attempt. She could not find my account with the cell phone number they left a voicemail on, and asked me if there would be any other phone numbers affiliated with this account. I said no, and reiterated that they just left a voicemail on my phone two minutes ago. She put me on a brief hold ( 3-5 minutes ) ; then returned to the line, asking if I was Jane Doe ( not using my real name in this report ). Unfortunately I said yes, even though I had identified myself upon the initial call. She then asked me if my date of birth was XX-XX-XXXX. I stopped, and said I was not giving any more information. I asked what this was in regards to, and the woman said an important business matter. I told her I never received a letter, and I was not going to release any information until I knew what the call was in regards to. She then began speaking very loudly, talking over me, stating I needed to verify the information she was giving me- she was not asking me for any information, just asking me to verify the information she was providing. I hung up. Both women were US, southern accent speaking- the voicemail, and the rude representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was applying for what I thought was loan but instead seems to be scammed. Loan company XXXX XXXX XXXX XXXX  XXXX said I needed to go to XXXX and purchase gift cards to Show the FTC that I was working with them to help my credit. They got access to my bank account and then proceeded to make claims under my account. Chase bank will not pull the calls but tell me it was made through the phone. I have had the same bank for XXXX years and the same phone number so where the claims where made was not through me. My account is negative due to this and chase is unable to do anything because they gave a reversal credit and then took it away when no claim should have even been filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2022-06-28 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: EOS Holdings, Inc.
State: MI

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I received information that I was part of the Wellsfargo unauthorized account openings, I got letters from Wellsfargo stating that I was removed from liability from those accounts. However within those account still are reporting on XXXX XXXX XXXX. They are also on Wellsfargo systems as negative reporting 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 explanation
Consumer complaint received 2022-06-28 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: Professional Recovery Management
State: MI

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: Dynamic Recovery Solutions, LLC
State: PA

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: KS

Complaint narrative:
On XX/XX/XXXX I had a house fire. I filed it with my insurance company and they cut checks to myself, my ex husband and the mortgage company. In XXXX of XXXX I sent the mortgage company a copy of my divorce decree and a quit claim deed my exhusband signed during our divorce, because the mortgage company said that was the only way they would be able to send me the insurance money in just my name. They approved that and on XXXX XXXX they issued the first check written out to just the XXXX and I for {$26000.00}. After many weeks of dealing with the mortgage company to schedule our final inspection when the house was fully repaired they finally came out and we passed the inspection. On XX/XX/XXXX I received the final draw of the insurance money except the check was made out to the contractors and my ex husband. That day I called and told them I am not able to get my ex husband to sign the check so I needed them to place a stop pay on this check and issue one with only the XXXX 's name and mine. They have my divorce decree and quit claim deed on file. They had to send the request in for an exception and have to review the documents that they have on file. This has been going on for over a month now and I have the XXXX hounding me for the last {$11000.00}. I am not sure why they could send a {$26000.00} check with my name instead of my ex husband but they refuse to do it with {$11000.00}. I need this money to finish paying the contractors and I am tired of calling the mortgage company daily to only hear the same thing, that the exception is still pending. They have had this money for close to a year now in their accounts building interest while I get constant calls from the contractors when I have no control over it. I need someone to finally step in and do something with this mortgage 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 2022-06-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed XXXX XXXX XXXX XXXX serveral times and have completed all step in Experian email dated XX/XX/2022 since i have started the disputes. I have additional information for Experian review and i have sent XXXX XXXX this Information also. XXXX  XXXX has failed to respond to MY Request via mail and over the phone and it has been over 30 per Fair Credit Act. I have made server calls to their XXXX  Risk Manangment and tried to reach XXXX XXXX which they have stated no such person works for the company. XXXX  have continued to transfer my calls to a department that is not in operation. In XXXX I was able to talk to XXXX  supervisor of experian and she stated that no matter what proof i send in, that Experian is not willing to remove the account from my credit report. Over the years i have sent Experian Police reports, Affidavits, proff of address and my identification some of which i been certified mail. 

Also the last two times i Submitted complaints to the consumer financial bureau my credit score went down right after the complaints was filed decreased emails from epxerian. i do honestly believe that experian is doing this on purpose because i continue to file complaints on this topic. i will mail in the decreased emails with show the dates of the decreased which is right after the complaint was submitted. 

I have explained to Experian serveral times as to why i wanted to pay the account when i found out about car. As i stated to Experian i am a domestic violence survivor and wanted to keep my credit in good standing to find safe and suitable housing.

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 2022-06-28 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: NY

Complaint narrative:
I RECENTLY GOT A NOTIFICATION THAT THERE WAS A HARD CREDIT INQUIRY FROM XXXX XXXX XXXX XXXX ON MY CREDIT REPORT BEING REPORTED BY TRANSUNION. THIS INQUIRY IS INACCURATE AND THEREFORE IT NEEDS TO BE DELETED SINCE IT IS HURTING MY CREDIT PROFILE. 

NAME : XXXX XXXX DATE XX/XX/2021 PLEASE I NEED THIS UNAUTHORIZED HARD INQUIRY TO BE DELETED INMMEDIATLY.

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 2022-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have disputed account XXXX on my consumer reports with the 3 consumer reporting agencies and my results always result in a update or verified as accurate. 
XX/XX/XXXX I got all new reports from XXXX XXXX and XXXX and I noticed inconsistent information in regards to the federal running of reporting expiration date. 
XXXX reports XX/XX/XXXX. 
XXXX reports XX/XX/XXXX. 
XXXX reports XX/XX/XXXX with the date of 1st deliquency reported XX/XX/XXXX. 
since I cant get through to the consumer reporting agenies I decided to contact XXXX with a direct dispute under XXXX regarding this error. 
XX/XX/XXXX I wrote XXXX putting them on notice of this inconsistent error and also putting them on notice that a data furnisher is PROHIBITED to report any inaccurate, incomplete and inconsistent information after they have already been put on notice from this direct dispute XX/XX/XXXX they responded by requesting additional information from me in order to help them verify my identity? they asked for my residence from XX/XX/XXXX, the last 4 of my ss, my full birthdate, the credit limit on the account, the date or amount of the last payment and the account opened date. at the top of the letter they also notated the account number ending in XXXX with a INCORRECT mailing address. to my understanding if this data furnisher wants to report on my consumer reports then shouldn't they have all the information they requested from me in their files? this is not making any sense. I've sent them copies of my consumer reports regarding this account so they can see there inconsistent and inaccurate reporting. that should be enough to complete there investigation with the information they supposably have under my name. by XXXX sending me this correspondence, it proves to me that they dont have my information on file enough to report this account. if they lost paperwork in their files pertaining to this account then why dont they just say that? it is not my responsibility to give them private information and the burden of proof is not on me to prove. there furnishing this account to the consumer reporting agencies therefore they should have the requested information on file. this account seems to be not valid in my opinion all while inaccurate and inconsistent information is being reported to the third party consumer reporting agencies. I have also included my response to XXXX regarding there correspondence letter XX/XX/XXXX putting them on notice that this account is not valid and I demand a deletion.

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 2022-06-28 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: TX

Complaint narrative:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of who may have knowledge concerning any such items of information.

They did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated, but how is that possible when they didn't do a proper investigation. This is grounds for removal. 

They also violated the law because according to 15 U.S.C 1681 section 602 A. States I have the right to privacy 15.U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

I did not give anybody 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 2022-06-28 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: LA

Complaint narrative:
I have notified Experian about the unauthorized inquires on my credit report & they have not been removed. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b 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 have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. Experian reported these inquires are not on my report, when in fact THEY ARE & THEY SHOULD BE REMOVED IMMEDIATELY.

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