vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-31 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: CA

Complaint narrative:
Equifax has been restricting my online access and denying the dispute I had for an account that was originally reported by Department of Education Debt Resolution Group. Today I had received a letter from Department of Education confirming the deletion of the account with all credit reporting agencies. Both XXXX and XXXX had deleted the account off my credit report. The only one that has not processed the deletion was Equifax. They've not being cooperating with the request at all. Instead, they restricted my report online access, they also added some random name on my report. I still can't access my online account even after uploading my selfie, ID and social security card. Which is unacceptable. I've attached the letter sent by Department of Ed confirming the deletion. I need Equifax to delete the collection account and the other person 's name off my report, also restore my online access.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX account # XXXX has violated my rights. 

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 a 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 2022-05-31 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: CA

Complaint narrative:
The decision to not delete the public record on file is very upsetting and I do not think this is fair. I have sent supporting documentation to XXXX and Transunion showing, prior to the public record, that XXXX XXXX admits to an erroneous software miscalculation on XX/XX/XXXX which denied a loan modification which led to the public record filing on XXXX, XXXX, XXXX. This case has extenuating circumstances. The public record filing should never of been filed in the first place but was based on an error by XXXX XXXX. XXXX XXXX suppressed this information from me for 7 years as I was notified on XX/XX/XXXX of the error. This is the correct aspect of this matter. It is time to end all the controversy of this matter and by deleting the last public record on my credit report will do so.

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 2022-05-31 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has no account number on file, and XXXX XXXX XXXX has violated my rights. 

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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: Medical Data Systems, Inc.
State: NC

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 wilful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: Prince Parker & Associates
State: NC

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 wilful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I have an HSBC bank credit card ending in XXXX. I got behind in payments in XXXX and worked out an agreement with HSBC to repay my debt in monthly installments and all my payments since then have been on time. I made my last payment of {$100.00} in XX/XX/XXXX and customer service told me that my credit card balance and interest owed was now XXXX and that I owed nothing. Subsequently, I got an email onXX/XX/XXXXfrom HSBC stating that I had missed a payment and HSBC demanded that I make my payment regarding an account number XXXX even though I do not recognize that account number. When I called HSBC customer service they stated that they had recently changed my account number, although they never notified me in writing or otherwise of this fact. I also began to receive phone calls to my number ( XXXX ) XXXX even though I had previously asked HSBC in writing via certified mail that HSBC not call me or harass me. They keep calling and CFPB must make them stop. 

When I call the number that HSBC gave me in its XX/XX/XXXX email claiming that I owe HSBC money to try to pay any remaining balance that I owe, it states that my credit card balance is XXXX and that I owe nothing. Still the calls and letters come asking for payment! I have on ly one credit card with HSBC and that card is no longer valid and was closed in XXXX after I made a credit repayment plan agreement with them. I have honored the agreement, but they have not. 

When I ask to speak to an HSBC supervisor at Customer service they tell me none is available. When I call Customer Relations at ( XXXX ) XXXX, they will not put me thru to anyone. I give up! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: IL

Complaint narrative:
I did not authorize these inquiries. XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I did not authorize these inquiries. 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. Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31 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: NC

Complaint narrative:
I did not consent to, authorize, nor benefit from any of the following inquires. Block and remove them. XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: AL

Complaint narrative:
Company do not acknowledge a freeze or unfreeze when it come to my credit. Anyone seem to check my credit even when there is a freeze on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please see attached identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all XXXX credit bureaus and they have repeatedly ignored my verified claims. They are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please see attached identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all XXXX credit bureaus and they have repeatedly ignored my verified claims. They are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: TX

Complaint narrative:
Please see attached identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all XXXX credit bureaus and they have repeatedly ignored my verified claims. They are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
During my divorce my ex wife was awarded the house and was told she had to refinance into her name because it was a VA loan in my name with just her on the deed. I had to find a new place to live and had an apartment and was paying both rent and mortgage payments until XX/XX/2019 because I could no longer pay both along with child support. Recently I found out that my ex wife abandoned the house and it has been in default since I made that last payment in XX/XX/2019. She made no payments and never refinanced the house while I became homeless and lost my job because of her. I've moved back to the house and notified my lender and I was told that it just went into foreclosure status with no sale date. They have given me a packet to help stop it and your company was on it. I do not want to lose my home or not able to get another VA loan due to this.. any help or advice will help.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 2022-05-31 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Account # 's XXXX, has violated my rights. 



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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-05-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2022 an unknown person opened multiple accounts with Truist utilizing the online portal. I contacted Truist on XX/XX/2022 after receiving a debit card in the mail and they put a fraud hold on the card, but did not close all of the 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 2022-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: SC

Complaint narrative:
A debt collector ( ERC ) is attempting to collect a debt from me ( 1 ) that is not mine, and ( 2 ) that I have already successfully disputed with the credit rating agencies last year after the first attempt to collect on this debt that is not mine. 

The debt alleged is {$970.00} for an XXXX XXXX XXXX XXXX account. I have never had an account of any sort with XXXX ; I am and have been a XXXX customers for my cell phone service, my internet service provider when I lived in XXXXXXXX XXXX  until XXXX was XXXX, and my current internet provider in XXXX XXXX is XXXX ( formerly XXXX XXXX ). I have never opened an account for either cellular or internet service with XXXX. I have never done business of any kind with XXXX. I first learned of this erroneous debt collection when it was placed on my credit reports in XXXX of XXXX, and I immediately opened disputes with the credit rating agencies it was reported to ( It showed up on 2 of them : I know for sure one was XXXX, and I believe the other was XXXX ) and those disputes were quickly resolved in my favor and the debt collection was removed from my credit reports. 

Now ( XXXX of XXXX ) I have received a letter in the mail from : ERC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Attempting to collect on this same erroneous debt that I already successfully disputed last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX, The XXXX  At XXXX XXXX, KXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 and XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.C.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2022-05-31 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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, The XXXX  At XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.C.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: NJ

Complaint narrative:
XXXX - XXXX XXXX - Is a fraudulent inquiry on my report need to be removed XXXX - XXXX XXXX is another fraudulent inquiry I don't recognize and it ran my report 3plus times which is insane please removed asap my Information was recently in the dark web please removed. 
XXXX XXXX XXXX XXXX  is fraudulent I don't recognize as well please removed.

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 2022-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: FL

Complaint narrative:
Hello my name is XXXX XXXX and this is my XXXX complaint towards Discover. Executive Office representative XXXX sent me an email which I never consented any contact from him and has failed to answer my response. 

Im aware an email sent to XXXX of the Executive Office stated Hello XXXX, Im aware that congress is really adamant about protecting consumers right to privacy. 

Nothing under the FCRA REQUIRES a furnisher to furnish negative information to any consumer reporting agency. 

The term " negative information '' means information concerning a customer 's delinquencies, late payments, insolvency, or any form of default. 

The term " nonpublic personal information '' means personally identifiable financial information- ( i ) provided by a consumer to a financial institution ; ( il ) resulting from any transaction with the consumer or any service performed for the consumer Im aware that Discover is only furnishing this negative information because the company 's " policy '' allows Discover to use unlawful extortionate means to coerce you to make payments on extensions of credit. 

Collections of extensions of credit by extortionate means is a violation of 18 USC 894 and carries a criminal liability of up to 20 years. 

Can you clarify the billing errors that you claim im allegedly late on? I would promptly like to receive the accounting for this. 

Warm Regards XXXX has failed to respond to my request and has willfully neglected to respond to my request. 

As a consumer if theres any billing dispute between consumer and financial institution they lose the right to collect until the billing dispute is resolved. 

CFPB please be aware that Discover continues to solicit and send me payment reminder emails when theres a dispute between parties. 

Im aware as a consumer per the IRS I can request the AUD trail and the account ledger for the this account. 

XXXX of the Executive Office please furnish the requested documents. You failed to correct my report and now Im asking for all verifying documentation.

Im giving Discover ( 3 ) business days to send me : AUD trail Account Ledger As a reminder, since theres a dispute between parties. Discover can not collect any amount until the dispute is resolved. There must be suppression of the account until all disputes are resolved.

Company response to consumer: Closed with explanation