vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-07 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disputed with the credit bureaus, telling them I was a victim of identity theft and that these accounts are not mine, therefore it should be removed. But I never received a response, it has been 60 days since then. Please help

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 2021-10-07 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: FL

Complaint narrative:
I disputed with the credit bureaus, telling them I was a victim of identity theft and that these accounts are not mine, therefore it should be removed. But I never received a response, it has been 60 days since then. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX and Equifax show in my credit report two bankruptcies as public records reported from two different courts on the same date XX/XX/XXXX in the bankruptcy court of the city of XXXX, Fl and in that of the city of XXXX Fl with different numbers of records on the same date : XXXX for US BKPT CT FL XXXX and XXXX for US BKPT CT FL XXXX. 
The public record of bankruptcy was filed in the XXXX court of initiation, but was transferred to the XXXX court where the Discharge of debtor was concluded on XX/XX/XXXX. The fact that the credit reporting agencies show how I publicly record two bankruptcies on my credit report prevents me from refinancing my home.

It is impossible by law to file two individual bankruptcies on the same date and year even so these credit reporting agencies show that I have two bankruptcies on my credit report when without a reasonable doubt they are shown on the same date and even only that of the bankruptcy court of the city of XXXX Fl. shows that it was resolved on XX/XX/XXXX and that of the city of XXXX Fl, as an unsolved petition.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: DISCOVER BANK
State: CA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: EQUIFAX, INC.
State: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Select Management Resources, LLC
State: GA

Complaint narrative:
**This is a violation of privacy policy situation, and I need help, please! I've exhausted all options, I am seeking legal representation. Here are the details. I have documents and photos to support this situation. ** I had obtained a title loan with Atlanta Title Loans in XXXX, 2021 due to financial strain. I have been in a XXXX XXXX situation for quite some time and was trying to pay off bills so I could relocate myself and children, or at least start the process. My ex ( XXXX ) stole my phone and Atlanta Title Loans called about my payment XX/XX/2021. He disclosed that he was my boyfriend/husband ( lied ) and inquired about the nature of the call. The initial point of contact just stated that he needed to speak with me. My ex then called the company back, and requested details of why they were trying to reach me. At that point, another representative named XXXX gave him my information, and advised him that I had an open loan with their company. He requested she text pictures of whatever information she had about me and my loan. She agreed and text him pictures of my drivers license, my signature, and loan application details, from her PERSONAL cell phone, which compromised my personal data even further. There were NO authorized indiviuals names that were allowed to access any of that info. He became furious and was violent toward me. This triggered my XXXX XXXX and XXXX issues. I have a history of XXXX XXXX XXXX, and this had caused me to become unable to return to work for fear he will show up. Ive since lost my job because of this. This company violated every protocol in their privacy policy and put me in harms way. I am a single mom, now without a job, money and potentially at risk of losing the only vehicle I have. This is such a horrible situation, and I dont know what I can do. I have copies of the texts sent to him, and also texts between myself and the employee in regard to this issue. I have not received any feedback from management, I have since received a late payment letter stating they can repossess my vehicle anytime they want.. Please, if there is anything you can do to help, I really really need it. I have since had to petition for a family XXXX XXXX order, but I am in constant fear, and all due to this discrepancy. This company did not care enough to make a simple effort to just protect my personal information, makes me very concerned where else they are lacking and how this could effect more clients, I do not have a working phone number at the moment but I can be reached via email anytime. Please help! I feel like this is something that needs immediate attention or could be detrimental. 

Thanks in advance for any help you might be able to offer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07 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: TX

Complaint narrative:
This account has been closed since XX/XX/ 2019 and they are constantly changing my payment history by removing and adding missed payments to my credit constantly affecting my credit scores. I have uploaded 3 proofs below.

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 2021-10-07 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: TX

Complaint narrative:
This account has been closed since XX/XX/ 2019 and they are constantly changing my payment history by removing and adding missed payments to my credit constantly affecting my credit scores. I have uploaded 3 proofs below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: TX

Complaint narrative:
This account has been closed since XX/XX/ 2019 and they are constantly changing my payment history by removing and adding missed payments to my credit constantly affecting my credit scores. I have uploaded 3 proofs below.

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 2021-10-07 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
This company shared my account with a third-party collection company ( XXXX ) before notifying me via mail of the account. They also have failed to validate this account being mine from me disputing this account since last year. They were reporting the debt as XXXX in XXXX and sold it to XXXX and now XXXX is reporting XXXX which means someone is lying about this account and no one has validated the account with proof of these amounts nor documentation that the account is even mine. I have also filed an FTC report and Police Report last year due to being a victim of identity theft but Exeter disregarded disputes and continues to verify this account with the bureaus. ( I have attached XXXX reporting of the XXXX from exeter and XXXX XXXX & FTC report filed last year. )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Within 5 business days I would like to know from Mr. Cooper if it is participating in CA Mortgage relief Program or not? I called your customer service today and spoke with XXXX Escalation Manager in Mr. Cooper. She doesn't know anything about this program. 
You can go on their website at XXXX XXXX XXXX ( Also see attached exhibit A ) As you are a Mortgage servicer, you can also contact with them on this email - XXXX It is very imperative for me to know about this. 
Within 5 days of you receiving this information, reply to me with explanation that are you participating in this program or not, and if not, whats the reason that you are not participating in this program? 
I can be contacted on the phone number XXXX or on the email XXXX thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Have a Problem with TransUnion there is a 30 day late that's reporting on my credit report from XXXX XXXX This company is reporting incorrect and inaccurate information I was never 30 days past due This information is Fraudulent and misleading Section 807 violation and misleading false reporting I, m seeking litigation from this late payments and please delete from 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 2021-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX-I sent letters and/or contacted Transunion to dispute the validity of the Bankruptcy filing that they are reporting on my credit report. They have repeatedly responded with a letter stating that they have verified this item as accurate and verified through USBK Court XXXX Illinois. I went directly to United States Bankruptcy Court-XXXX Illinois , to verify the item in question and they returned a letter stating that they do not report any information tot he credit bureaus and is not responsible for verifying or validating information from consumers credit files. 

I sent Transunion a copy of the letter received from the United States Bankruptcy court on XX/XX/XXXX and they continue to state that the reporting is accurate and verified. I sent Transunion another letter on XX/XX/XXXX to further dispute the item and also advised that if they could not reveal how they truly " verified '' this item then it needs to be deleted according to the FCRA, in addition to including documentation to support that item reported is not mine, as they requested, and they continue to violate my rights to accurate and fair reporting in stating on XX/XX/XXXX that the item is accurate and verified through USBK-XXXX  Illinois . I contacted Transunion on XX/XX/XXXX after receiving their latest letter, in which a representative told me that they had received my documentation and that she had removed the bankruptcy/public record from my credit report. I called back that same evening, less than a half hour after I spoke to the previous agent to double check that the bankruptcy was actually removed and the agent verified that it was removed and there were no public records showing, a third agent verified the same when I called again on XX/XX/XXXX because I had not noticed an update to the credit report. I contacted Transunion again on XX/XX/XXXX since I still had not received any update, only to be told that the Bankruptcy was not removed and that he was not sure why I was told that it was. So I went ahead and filed another dispute on XX/XX/XXXX, consistently stating that the bankruptcy reporting is not mine to which I received another letter from Transunion once again stating that the item is accurate and verified through the USBK Court-XXXX Illinois . They have once again refused to delete this item which is impeding my ability to purchase a home and costing me thousands of dollars more in interest every year. 

This item needs to be deleted from my credit report if it can not be verified within 30 days, especially since it is not my filing.

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 2021-10-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: NCB Management Services Inc.
State: TX

Complaint narrative:
This company shared my account with a third-party collection company ( NCB ) before notifying me via mail of the account. They also have failed to validate this account being mine from me disputing this account since last year. They were reporting the debt as XXXX in XXXX and sold it to NCB and now NCB is reporting XXXX which means someone is lying about this account and no one has validated the account with proof of these amounts nor documentation that the account is even mine. I have also filed an FTC report and Police Report last year due to being a victim of identity theft but XXXX disregarded disputes and continues to verify this account with the bureaus. ( I have attached XXXX reporting of the XXXX from XXXX and NCB XXXX & FTC report filed last year. )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: GA

Complaint narrative:
I have submitted numerous forms to transjunior regarding identity theft XXXX and unotherwise heart increase on my credit report I have also notified XXXX and XXXX who the phone do tperform due diligence and removed such inquiries without hassle hassle TransUnion refuses To remove increase even though the other 2 credit bills have done so Due to the assessive inquiries on my transjunior I'm unable to receive funding which is necessary to provide for my family causing it it extreme hardship and I desperately need this resolved I have a total 3 inquiries on my XXXX and XXXX but I have 35 on TransUnion which is evident that there is something going on and changing refuses to supply me with proof that such inconvenience are indeed verify despite correspondence I have it's called response I have submitted requesting asking for such information

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 2021-10-07 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: National Credit Adjusters, LLC
State: NV

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: National Business Factors
State: NV

Complaint narrative:
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: Business & Professional Collection Service Inc
State: NV

Complaint narrative:
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I disputed with the credit bureaus, telling them I was a victim of identity theft and that these accounts are not mine, therefore it should be removed. But I never received a response, it has been 60 days since then. Please help

Company response to consumer: Closed with explanation