vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-23 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: IN

Complaint narrative:
I have written a letter and asked Transunion and XXXX  multiple times to show me prof of my signature, picture, or any proof that I had consent on the hard inquiries on my credit report. Every time they replied they couldnt show me proof of any signatures indicating that it was me that made the inquiries. By law they are supposed to remove all inquiries if they cant provide proof. They are hurting my credit score by not removing the inquiries since they dont have any proof. I have three unauthorized inquiries that I dont recognize from both companies.

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 2021-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SD

Complaint narrative:
Add Remarks to the following credit entries on my credit report. 
XXXX XXXX XXXX 1 ) Attempted to catch up on my past due payments in XX/XX/2017, but was told no by XXXX in a rude and threatening way. 
2 ) XXXX tried to use XXXXXXXX XXXX XXXXXXXX of XXXX to collect to past due amount but was attempting to collect a higher amount and violated the FDCPA. 
3 ) The Repossession company they hired breached the peace by illegally entering the house and made demands, they was told to leave immediately. 
4 ) XXXX still charges interest on this closed off account and shows i haven't made any payments before it went in to default status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: MS

Complaint narrative:
I have disputed this account already and said that the dispute was complete, and that it was removed from my credit report. Well it is not removed and still affecting my credit. I am attempting to seriously change and better my credit so I would like this off of my report like they say it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank
State: NJ

Complaint narrative:
In XXXX of XXXX I was forced to XXXX from my job due to XXXX XXXXXXXX pandemic. My mother was battling XXXX and my job as a XXXX was exposing me to the virus so I made a hard decision to XXXX  for the healthy of those I live with such as my mom. This caused me to be left with little to no income. My husband was still employed however all income went towards our inhome bills such as mortgage, electric, heat, and funds to take care of our XXXX children. Any extra that my husband had we tried to keep up with the car payments as much as we could. We were able to keep all payment current until money fell a little short in XX/XX/XXXX. As of XX/XX/XXXX I became employed again with a job back in my career and my family is finally getting back to happiness mentally and financially. As of my first paycheck in XXXX I brought the account fully current. I then made my XX/XX/XXXX payment on time as well and will also be making my next due payment on/before XX/XX/XXXX as planned and continue to keep up and go back to my perfect payments. This complaint is a chance for me to explain my issue to FIRST PROGRESS and attempt to get my late payments from XXXX & XX/XX/XXXX removed as a courtesy. My husband and I are planning on buying a home late this year and this will negatively hurt us so please help us. Thank You and I would greatly appreciate it. My account is now current and I plan on paying the card of in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate things on my credit report. How is it possible for these accounts to have mixed matched reporting of late payments?? I demand all Late Payments to be removed. To this day over 46 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored. Section 611 ( a ), plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 46 days so they should be deleted promptly. I demand these late payments be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was impacted by the Equifax data breach and may have got into the wrong persons hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: NC

Complaint narrative:
Equifax and XXXX  do not honor the FTC laws related to the removal of fraudulent credit items. Equifax customer service is primarily outsourced and most do not have a clue about proper procedure. XXXX is also primarily outsourced and their staff withhold information as to why they arbitrarily choose to not block items that are supported by a FTC ID Theft report. These people do not care if your life is adversely affected by their inaction. 

I would like to sue both companies, as I have read the consumer protection laws and they are not following the laws as they are written. These entities can not play XXXX with people 's lives in this matter. Are their attorneys that specialize in this area that can litigate cases like this?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD

Complaint narrative:
Trans union has been repeatedly reporting false and inaccurate information on my credit report. I have disputed the address, phone numbers and other information and they just keep placing whatever they want on my report even though it is not correct information. they don't actually investigate because if they did, they would know that they are reporting wrong information. They know at this point that the information is false and they have deliberately placed the wrong or false information on my credit report which has my name and personal info connected to other wrong information that is not mine.

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 2021-05-23 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: DE

Complaint narrative:
On XX/XX/21 I sent dispute letters via certified mail to all 3 bureaus. On XX/XX/21 I followed up with a demand to comply letter, again sent via certified mail. To date, I have not been notified in regard to any of these accounts. According to the FCRA these accounts must be removed immediately from my consumer report. 

I XXXX XXXX am submitting this complaint, not a 3rd party. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
In XX/XX/XXXX, I reported to XXXX XXXX that one accounts had been fraudulently opened in my name on XX/XX/XXXX. XXXX XXXX instructed me to complete an affidavit, file a police report, and inform a major credit agency that I had been a victim of identity theft. I completed all these steps and was assured by XXXX XXXX that the matter would be resolved, and that I did not owe money to the bank. However, I continue to receive threatening notices from XXXX XXXX that I owe them. XXXXl XXXX is dragging their feet to look into my issue. They are in violation of Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 

XXXX XXXX then sold my account to LNVN Funding. Now I am fighting with LVNV funding and their questionable business tactic. Next, LVNV subcontractors debt account to resurgent Capital services which is both owned by the same company Sherman financial group.

LVNV is violating FDCPA laws! Please investigate LVNV & their questionable business tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Webcollex, LLC
State: GA

Complaint narrative:
CKS FINANCIAL THIS IS REPORTING ON MY CREDIT REPORT AND THE INFORMATION IS INACCURATE, I NEVER HAD THIS ACCOUNT IT WAS REMOVED OFF MY REPORT AND RECENTLY ADDED BACK ON MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: SD

Complaint narrative:
Add Remarks to my XXXX XXXX XXXX  closed account. 
A ) was attempting to catch-up on payments before account was closed, all attempts to do so was rejected by the bank in a rude manner. 
B ) was harrassed by a collection agency hired by XXXX XXXX XXXX to collect on past due amount, but the a higher amount was asked. A FDCPA violation. 
C ) repossession company breached the peace by entering the house unannounced and making demands. 
D ) still charges interest on this closed account to make it look like I haven't made a single payment in the accounts history.

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 2021-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Around XX/XX/XXXX or XXXX my account was put on hold. I was told it was due to fraud. I left several messages and was told that someone would get ahold of me. I would call every week that would pass to complain that I have not heard from anyone yet. I even sent them by email paper work to show the money was mine and had every right to it. I even explained that as a XXXX XXXX I have lost tons of my due to not being able to access my money. It's now been 1 and a half months. This PPP loan was supposed to help my business get back on track and instead it put me deeper in the hole.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX has reported my account late when it has never been late. The funds come out of my account every month through ACH transfer on the XXXX and XXXX of every month. I provided them documents to have them correct it but they still havent made corrections. Can you please assist 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 explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX. I am a victim of identity theft. There were thieves using my identity to open accounts in a utility company XXXX XXXX XXXX in the period of XXXX to XXXX. These accounts were not noticed until they were delinquent and subjected to collections. The collections never reached to me but showed up in my credit report in XXXX. Both the collection agency which is XXXX XXXX XXXX and XXXX have never informed me these collections. 

This spring, we purchased a house for our primary residency. When I apply the home mortgage loan from US Bank, I was rejected because in my credit report there are these collections from the accounts I never knew. Now I can not get a loan because I am a victim of identity theft. 

I have acted quickly to resolve the problem. I reported the identity theft case immediately to the XXXX County police. The case number is XXXX. After receiving the police report, I contacted the three entities : XXXXXXXX XXXX XXXX, XXXX XXXX XXXX and XXXX. I sent mails, made phone calls, sent emails to get their attention to correct this problem. Now, all three of them had verified that these accounts are not mine and their collections are not my responsibility because my stolen identity had been used to open these accounts by the thieves. The XXXX XXXX XXXX told me that it takes couple of months to withdraw the collections from the credit bureau, and XXXX told me my dispute was completed but they are investigating my case, in the meantime these collections can not be removed from my credit report. I do not know how long time they need to investigate it. The US bank will not consider my loan application because these collections are still in my credit report. 

I stuck here. I do not know what to do. I feel helpless.

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 2021-05-23 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: LA

Complaint narrative:
I asked to be provided a proper investigation into accounts listed on my credit report, I specifically asked the bureaus to validate the accounts they are reporting. It has been over 60 days now and I am concerned. I haven't been notified of any results or an investigation into this matter. Hopefully I can get a response, Thank you so much.

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 2021-05-23 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: DE

Complaint narrative:
On XX/XX/21 I sent dispute letters via certified mail to all 3 bureaus. On XX/XX/21 I followed up with a demand to comply letter, again sent via certified mail. To date, I have not been notified in regard to any of these accounts. According to the FCRA these accounts must be removed immediately from my consumer report. I XXXX XXXX am submitting this complaint, not a 3rd party. Thanks!

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 2021-05-23 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: MA

Complaint narrative:
After TransUinon had deleted a inaccurate late notice from XXXX XXXX XXXX for XX/XX/2020 TransUinon reinstated the inaccurate late notice without giving me the 5 day notice before reinstating as required by the FCRA. This is a violation of the Fair Credit Reporting Act. This late notice for XXXX 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 explanation
Consumer complaint received 2021-05-23 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: NC

Complaint narrative:
XXXX and Experian do not honor the FTC laws related to the removal of fraudulent credit items. XXXX  customer service is primarily outsourced and most do not have a clue about proper procedure. Experian is also primarily outsourced and their staff withhold information as to why they arbitrarily choose to not block items that are supported by a FTC ID Theft report. These people do not care if your life is adversely affected by their inaction. 

I would like to sue both companies, as I have read the consumer protection laws and they are not following the laws as they are written. These entities can not play XXXX with people 's lives in this matter. Are their attorneys that specialize in this area that can litigate cases like 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 2021-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom this may concern I am XXXX several disputes to Experian XXXX and XXXX about these hard inquiries that have been placed on my credit report due to XXXX XXXX activity I have been a victim of identity theft for the past seven years and I have also locked up my social security number and they'll still let people do inquiries on my account when it is locked I have complained to this company I've complained to all 3 bureaus and nothing has been done if you look at my credit report I have no credit 's all of my debts which I really have none I just took out a lease lease the car I'm up to date on my payment I don't have not ever

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 2021-05-23 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: GA

Complaint narrative:
This XXXX XXXX account was paid back in XXXX and the company agreed to delete the account once paid, it has still been reporting negatively on my credit report. The account number XXXX. I have contacted XXXX XXXX  directly and they are unable to locate an account in my name or using my social security number. I have disputed the account with all 3 credit bureaus with no resolution.

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 2021-05-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This XXXX XXXX account was paid back in XXXX  and the company agreed to delete the account once paid, it has still been reporting negatively on my credit report. The account number XXXX. I have contacted XXXX XXXX directly and they are unable to locate an account in my name or using my social security number. I have disputed the account with all 3 credit bureaus with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: LA

Complaint narrative:
I asked to be provided a proper investigation into accounts listed on my credit report, I specifically asked the bureaus to validate the accounts they are reporting. It has been over 60 days now and I am concerned. I haven't been notified of any results or an investigation into this matter. Hopefully I can get a response, Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This XXXX XXXX account was paid back in XXXX and the company agreed to delete the account once paid, it has still been reporting negatively on my credit report. The account number XXXX. I have contacted XXXX XXXX  directly and they are unable to locate an account in my name or using my social security number. I have disputed the account with all 3 credit bureaus with no resolution.

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 2021-05-23 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: EQUIFAX, INC.
State: MA

Complaint narrative:
After Equifax had deleted and inaccurate late notice from XXXX XXXX XXXX for XXXX Equifax reinstated the inaccurate late notice without give me the required 5 day notice per the FCRA before reinstating the inaccurate late notice.This is a violation of the Fair Credit Reporting Act because Equifax didnt notify me before reinstating the inaccurate late notice.Equifax continue to violate the FCRA with this dispute.

Company response to consumer: Closed with explanation