vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-08 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: IL

Complaint narrative:
Hi, my name is XXXX XXXX contacting the CFPB on behalf of my mortgage with XXXX Bank under the account # XXXX. As stated in their response in which I will attach within the last 24 months my account has not had a late payment reporting. Therefore, I am asking to have the in factual late payments that are reporting on my credit report as a late payment for XX/XX/XXXX, and XX/XX/XXXX to be removed entailing what they have responded in the previous CFPB dispute. The company has stated that I was never late therefore, they should have the all XXXX credit bureaus fix the appropriate information. Please see the enclosed documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: IL

Complaint narrative:
Hi, my name is XXXX XXXX contacting the CFPB on behalf of my mortgage with XXXX Bank under the account # XXXX. As stated in their response in which I will attach within the last 24 months my account has not had a late payment reporting. Therefore, I am asking to have the in factual late payments that are reporting on my credit report as a late payment for XX/XX/XXXX, and XX/XX/XXXX to be removed entailing what they have responded in the previous CFPB dispute. The company has stated that I was never late therefore, they should have the all XXXX credit bureaus fix the appropriate information. Please see the enclosed documentation.

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 2022-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: FL

Complaint narrative:
Theres a fraudulent collection account named : ERC showing on my credit report and its affecting me to buy a home

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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:
Theres a fraudulent account named : XXXX showing on my credit report and its affecting me to buy a home

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 2022-04-08 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:
Theres a fraudulent account named : XXXX showing on my credit report and its affecting me to buy a home

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: FL

Complaint narrative:
Theres a fraudulent account named : XXXX showing on my credit report and its affecting me to buy a home

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 2022-04-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
This dispute is pertaining to my Citi bank account pertaining the late payments for XXXX of 2020. Please see the enclosed documentation.

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 2022-04-08 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:
I have contacted Transunion multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts, as I am a victim of fraud from a data breach from XXXX. I asked them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all according to the FCRA regarding Identity Theft. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below. 

XXXX XXXX ( XXXX XXXX XXXX ) XXXX Credit Management # # # # # 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 2022-04-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, I am having problems with two of the three credit reporting agencies ignoring my justified request to remove a 10 year old mistake, XXXX XXXX and Experian not only refuse to remove the item but refuse to even discuss its possible removal because the issuer is saying that its a valid claim still Just reiterate 10 years, California I think its three years but even if it wasnt theres a 7 year maximum. Additionally, XXXX immediately removed the item upon my request years ago. I have written both of them many many times over the years with no response and no have reached the point of contacting whoever I can for whatever assistance I can get to get this blight off of my credit. Thank you in advance for whatever assistance you can yield. 

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 2022-04-08 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: NY

Complaint narrative:
Dear team, I am very sad because I saw error reporting in my credit report. There are inquires that are not mine and I do not recognize them at all. I am kindly asking you to help me and apply investigation because I do not know what to do with these unknown items in my profile. I am hapless already. I would very appreciate if you help me with this problem and remove the items that are not mine. 

Thank you in advance

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 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Looking over my credit report and notice some a hard inquiries that I do not recognize and are all over 90 days old and this : 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 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 explanation
Consumer complaint received 2022-04-08 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: NY

Complaint narrative:
Looking over my credit report and notice some a hard inquiries that I do not recognize and are all over 90 days old and this : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: FL

Complaint narrative:
Over the past few months, I've been having a lot of fraudulent activity going on with my credit reports for all three credit bureaus. I would have numerous amounts of inquires pop up on my account that I never gave authorization for. This activity started from XX/XX/XXXX up until XX/XX/XXXX. I've called all of these companies numerous amounts of times to investigate and get them to remove the accounts, but they tell me to dispute it with my credit bureaus. I've also gone back and forth with all XXXX credit burues, sending multiple letters and got no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: FL

Complaint narrative:
Over the past few months, I've been having a lot of fraudulent activity going on with my credit reports for all three credit bureaus. I would have numerous amounts of inquires pop up on my account that I never gave authorization for. This activity started from XX/XX/XXXX up until XX/XX/XXXX. I've called all of these companies numerous amounts of times to investigate and get them to remove the accounts, but they tell me to dispute it with my credit bureaus. I've also gone back and forth with all XXXX credit burues, sending multiple letters and got no where.

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 2022-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alliant Capital Management LLC
State: MO

Complaint narrative:
The company called me once, left a voice message, and then called immediately after. It's illegal to contact someone again after leaving a voicemail. Leaving a detailed voicemail is considered one contact and you're only allowed one contact per day. They aren't even calling me for my debt, it's someone else 's and I'm being harrassed. He said his name was XXXX XXXX on the call ( same name left on voicemail left almost immediately before the second call ) from Alliant Capital Management. They also called my husband. This is an abusive tactic and I expect them to make it right. My father in law 's name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
sent in final payment to Mr Cooper mortgage company. I had about XXXX dollars still to pay on my loan. I sent in XXXX which was my normal amount and figured they would refund the extra money. The check cleared on XX/XX/XXXX. I finally contacted them on XXXX XXXX after nearly 4 days of trying to get through. At that time explain to them what I was after l told d OK they would br back in touch. I waited for a week then called back and the lady I spoke to told me to send in a disagreement form to an email address. I sent the form and all the information that I had and that was requested. I received a letter from them dated XX/XX/2022 telling mt they would be back to me in 15 days with the information. 15 days goes by with no calls or letters. I call the number they offered me to use and explained the issue again and she told me she would check on it and call me back. Never happened so I tried again and got the same lip from them. 
My loan waws sold to this company with 1 payment left on it, the first company was XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

ACCOUNTS : XXXX. XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX  XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX INQUIRIES XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/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 2022-04-08 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: NY

Complaint narrative:
Dear team, I am very sad because I saw error reporting in my credit report. There are inquires that are not mine and I do not recognize them at all. I am kindly asking you to help me and apply investigation because I do not know what to do with these unknown items in my profile. I am hapless already. I would very appreciate if you help me with this problem and remove the items that are not mine. 

Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: NY

Complaint narrative:
Dear team, I am very sad because I saw error reporting in my credit report. There are inquires that are not mine and I do not recognize them at all. I am kindly asking you to help me and apply investigation because I do not know what to do with these unknown items in my profile. I am hapless already. I would very appreciate if you help me with this problem and remove the items that are not mine. 

Thank you in advance

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 2022-04-08 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy. 
15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

ACCOUNTS : XXXX. XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXXL XXXX XX/XX/XXXX XXXX. XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: DISCOVER BANK
State: NY

Complaint narrative:
Hi, my name is XXXX XXXX and I am contacting Discover Bank on behalf off my account # XXXX. It is a secured credit card that is supposed to be helping my credit however it is doing the total opposite in which wasn't proposed to me when this account was opened. There are two late payments for XX/XX/2021, and XX/XX/2021 however this is my own money I put as a deposit on this account so it is impossible to be late on my own $ that I put down as a deposit for this account according to the FCRA and USC laws. Please see the enclosed documentation attached. Also I have autopay enabled there was an payment processing issue on Discovers behalf reason to why the payments never cleared in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA

Complaint narrative:
Rushmore Loan Management Services Has violated my right to privacy according to The Fair Credit Reporting Act under 15 USC-1681B Section 602A.Rushmore Loan Management has also violated my right under 15 USC-1681A Section 604A Section2 which also States a consumer reporting Agency can not furnish an account without my written instructions. This account is at a {$0.00} balance no further obligation on this account Rushmore Loan Management have not given a 1099-C form for filing as I am Required to file on tax forms in which would be counted as income. I have no other obligations to this account and is at a {$0.00} balance. This has been an embarrassment as well as a hinderance for my family and I moving forward in being Qualified for possible Mortgage lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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:
After reviewing my credit report, I discovered some items that were incorrectly reported. The Congress has given me the authority to dispute and change information in my credit report that I believe is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit score was at a XXXX and I checked it a few days later and Im the XXXX I want to build it back up

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 2022-04-08 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: CORELOGIC INC
State: OH

Complaint narrative:
I like to order a full Core Logic report, I believe there is some misinformation on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: IL

Complaint narrative:
I opened a dispute regarding a bankruptcy on my credit report with Experian many times and they continue to close out the dispute stating that it has been verified but never provide me with documentation as to how they verified this. 

When I asked them to provide me with information on who verified the Bankruptcy, they ignored me. I was able to find on their website that they verify all public records with XXXX XXXX so I reached out to XXXX XXXX and they were not able to verify the bankruptcy so they deleted the bankruptcy from their reports and they sent me a letter stating that ( attached ), along with a new XXXX XXXX report showing the report was removed. 

https : /XXXX I also sent a letter to the courthouse where the bankruptcy on the report is stating the bankruptcy is from, asking if they verify any bankruptcies with any credit bureaus and they also sent me a letter back stating that they do not verify any bankruptcies with any credit bureaus. ( attached ) I sent all this information ( letters ) to Experian via certified mail and they received it on XX/XX/XXXX, proof of delivery is also included in this complaint. I called Experian today because there have been no remarks added to the bankruptcy about the dispute since the XXXX and I cant get through to anyone. Today they closed the dispute and once again and failed to provided me with information as to how they verified the Bankruptcy. 

At this point, I have no choice but to open a complaint with the CFPB in hopes of getting this resolved, they have made a serious impact on my credit for something that doesn't belong to me. My next step will be legal action against Experian if this is not resolved.

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