vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: HFS Financial LLC
State: SC

Complaint narrative:
On XX/XX/2022, i applied for a loan with HFS financial in the amount of XXXX provided the requested documents. ( i had already obtained a loan with them previously, and it was virtually seamless ) .on XX/XX/2022 i received an email stating i was conditionally approved and that the process was starting.XXXX XXXX XXXX i received an email to retake my drivers lic. pic over and submit, i did.XXXX XXXX XXXX i resubmitted a voided check to the account for the direct deposit of the loan.on XX/XX/2022 i got a call from XXXX XXXX XXXX XXXX XXXX XXXX, stating the loan was approved for XXXX and they needed to ask me security questions.after the interview she stated everything was good and that i would get the documents to sign.when the email came i could not open the document to sign.i called the credit union and HFS they stated that it would be fixed.they attempted to send the documents three times that day i could not open to sign.XXXX XXXX XXXX i got an email stating the loan was approved and to look for the documents to sign again.the documents then arrived to sign again i could not open it.i called HFS, the credit union and the docusign support.after going back and forth all day i was then told that the loan consultant at HFS changed the loan to two loans in the amount of XXXX each.i did not request this and this action caused a glitch in the system to look like i applied for three seperate loans.i then got and email at the end of business day that the loan was now denied.no explanation from anyone.on XXXX XXXX, i heard from no one and called the credit union who stated that it was on HFS end due to the multiple loan attemts and that the loan was still approved on their end.when i called HFS i was told to speak to the vice president, who told me to call the credit union and he could not help me.i spoke to a manager at the credit union who stated once again that the loan was approved with them and that the documents to sign had to come from HFS. when i logged on to HFS it stated the loan was denied and i can not apply again for another 45days. i have hired contractors that are set to start in two weeks, i now have a hard inquiry on my credit report and nothing to show for it.this is totally unacceptable for no one to even follow up or get back to me.the loan processor XXXX was definitely trying to help me but it was above her.but she was the only one to answer the phone and try.the loan was already approved and cleared until HFS decided to change the terms and amounts of the loan.i applied for one loan for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This is my 10th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX Owed : {$1000.00} ; XXXX  XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$0.00}

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 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/2022, and XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 120 days later I have not received a response yet. I feel like Im been taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days gives reason to immediately remove those items from my credit report it has been over 120 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/2022, and XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 120 days later I have not received a response yet. I feel like Im been taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days gives reason to immediately remove those items from my credit report it has been over 120 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. 

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, and XXXX XXXX XXXX Opened : XX/XX/2016 Balance : {$32000.00}.

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 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am victim of identity theft - corporate card was taken out in my name with my SSN, address, and BD. Card was XXXX XXXX credit card. {$24000.00} was charged at XXXX XXXX on XXXX, MO on XXXX Individual paid on fraudulent cad in person and items were delivered to a storage facility in XXXX XXXX, MO. XXXX at XXXX XXXX in XXXX, MO, closed the fraudulent corporate account immediately and filed police report. I filed my own police report on XXXX. I have placed a freeze on my account with all 3 credit bureaus and a fraud alert on XXXX. 

Hard inquiries are still showing up on my account with Equifax. I have tried multiple times to contact XXXXXXXX XXXX regarding disputing these inquiries and have had no luck getting ahold of them. 
XXXX, called XXXX XXXX XXXX XXXX XXXX, held for 20 minutes before disconnecting call XXXX, called XXXX XXXX XXXX XXXX XXXX XXXX held for 20 minutes before disconnecting call, and then called XXXX. Spoke to someone ( didn't get name ) who told me to call XXXX. 
XXXX, called XXXX XXXXXXXX XXXX, XXXX, spoke to XXXX. He was able to locate the application and transferred me to another team and call was disconnected. 
XXXX, called XXXXXXXX XXXX, XXXX, held for 20 minutes before disconnecting the call. 
XXXX, called XXXXXXXX XXXX XXXX, held for 20 minutes before disconnecting call. 

The 2 hard inquiries I am requesting to be removed are : XXXX XXXX XXXX XXXX XX/XX/22 inquiry, XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XX/XX/22 inquiry, XXXX XXXX XXXXXXXX XXXX XXXX XXXX OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XX/XX/2015 a XXXX  XXXX account was open fraudulently. I continue to dispute the account off of my experian report and they will not delete it. The XXXX XXXX account is not on any of my other credit reports. I am providing documentation from XXXX  XXXX stating theyre linking the account to me by the address XXXX XXXX XXXX XXXX XXXX Pa XXXX which is not my address and not listed on my credit report. I have also been told by Experian that they will delete the account and it has not been deleted. At this point Experian is allowing inaccurate and wrong information to be reported on my credit report and this is a violation of FCRA. If this account is not deleted immediately my next step will be to hire an attorney and sue Experian as this is costing me thousands of dollars in interest and taking time to handle this.

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 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
On XX/XX/2022, I experienced problems logging in to my Experian account, preventing me from lifting the freeze on the account. 

That same day, I wrote to Experian to the address provided ( XXXX XXXX XXXXXXXX, XXXX, TX XXXX ) and requested they immediately contact me via telephone or email to assist me in resetting my username and password. Pursuant to Experian 's instructions, I enclosed the necessary background information. 

I did not hear back from Experian. 

On XX/XX/2022, I again wrote to Experian, this time to the address provided ( XXXX XXXX XXXX, XXXX, TX XXXX ), as well as the address provided by the Bureau of Consumer Credit Protection in the State of Maine, where I reside ( XXXX XXXX XXXX, XXXX, TX XXXX ). I repeated my request that they immediately contact me via telephone or email to assist me in resetting my username and password, and enclosed the necessary background information. 

I received a notice from Experian, dated XX/XX/2022, stating that they have permanently removed the security freeze from my personal credit report. Unfortunately, Experian failed to address the underlying problem and has yet to assist me in resetting my username and password. Without resetting my username and password, I am unable to access my Experian account and keep track of my credit score. 

I would appreciate your assistance in having Experian immediately contact me via telephone or email to assist me in resetting my username and password.

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 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. 

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, and XXXX XXXX XXXX Opened : XX/XX/2016 Balance : {$32000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/2022 and XX/XX/2022 I sent letters regarding inaccurate and unknown things on my credit report. To this day over 90 days later I have not received a response yet. I feel like Im been taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days gives reason to immediately remove those items from my credit report it has been over 90 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 


XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, and XXXX XXXX XXXX Opened : XX/XX/2016 Balance : {$32000.00}.

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 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX  XXXX XXXX XXXX Owed : {$23000.00}

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 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX, XXXX, MI ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 ; XXXX XXXX  XXXX XXXX  XXXX XXXX GA XXXX XX/XX/2022 ; XXXX XXXX XXXX Balance : {$13.00} ; XXXX SELF-REPORTED XXXX Balance : {$200.00} ; XXXX SELF-REPORTED XXXX Balance : {$8.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX  XXXX Balance : {$160.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-10-18 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: PA

Complaint narrative:
I RECIEVED A EMAIL SAYING MY CREDIT SCORE WENT DOWN XXXX POINTS WHEN I CHECKED MY EMAIL I REALIZED THERE WAS A FRADULENT ACCOUNT ON MY CREDIT REPORT I HAVE NO KNOWLEDGE OF WHO XXXX IS I WORK REALLY HARD ON MY CREDIT AND I AM SO DISSAPOINTED BECAUSE I AM CONFUSED OF THIS EVEN HAPPENED WHEN I HAVE A FREEZE ON MY ACCOUNTS WITH ALL 3 BUREAUS. AS FOR THE STUDENT LOANS I HAVE MADE SERVERAL ATTEMPTS TO GET THEM REMOVED OFF MY REPORTS I HAVE NEVER IN MY LIFE APPLIED FOR A STUDENT LOAN FOR MYSELF OR ANYONE ELSE PLEASE REMOVE ALL XXXX OFF MY REPORT

Company response to consumer: Closed with explanation