vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Upon receiving a copy of my credit report. I realized there were several inaccuracies .I noticed a different social security number not mine.

I noticed addresses that were not mine.

I have one address : I have 1 social security number. 
I sent Experian a certified letter with my concerns.on XXXX Which the received XX/XX/2023 I sent to them a copy my license A copy of My social security card A copy of My utility bill I have been at my current address for over 20 yrs. 
The only thing they updated on XX/XX/2023 was my name. Not the social security number or my only address. 
I only want accurate information reflected on my credit report and these items are not accurate. Im not sure at this point if there was any identify theft or anything in accurate since I do not recognize address or a social security number reporting 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 2023-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This company is reporting to all 3 credit bureaus that I have an account with them. I have never opened an account with them, I have called, email and disputed with all 3 credit agencies and XXXX XXXX still claims that is mine. I show Iam a co owner with a person by the name of XXXX XXXX. This account was opened XX/XX/2022. I DO NOT know this person, I do not co own this account. I also see an address on my report that I do not recognize and maybe belongs to this person and account. XXXX XXXX XXXX XXXX MA XXXX. Ive never lived outside Florida nor know anyone at this address. Please look in to 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 non-monetary relief
Consumer complaint received 2023-06-07 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: FL

Complaint narrative:
This company is reporting to all 3 credit bureaus that I have an account with them. I have never opened an account with them, I have called, email and disputed with all 3 credit agencies and XXXX XXXX still claims that is mine. I show Iam a co owner with a person by the name of XXXX XXXX. This account was opened XX/XX/2022. I DO NOT know this person, I do not co own this account. I also see an address on my report that I do not recognize and maybe belongs to this person and account. XXXX XXXX XXXX XXXX MA XXXX. Ive never lived outside Florida nor know anyone at this address. Please look in to this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This company is reporting to all 3 credit bureaus that I have an account with them. I have never opened an account with them, I have called, email and disputed with all 3 credit agencies and XXXXXXXX XXXX still claims that is mine. I show Iam a co owner with a person by the name of XXXX XXXX. This account was opened XX/XX/2022. I DO NOT know this person, I do not co own this account. I also see an address on my report that I do not recognize and maybe belongs to this person and account. XXXX XXXX XXXX XXXX MA XXXX. Ive never lived outside Florida nor know anyone at this address. Please look in to 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 2023-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are several fraudulent accounts and unauthorized inquires on my credit report that doesnt belong to me. I havent been checking my credit report in several years and I see that these accounts have been on my credit report for over 8 years and should not be on my credit report at all after 7 years. These accounts are fraudulent and derogatory and is preventing me from buying a house and moving with my family.

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 2023-06-07 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: MD

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRESTIGE FINANCIAL SERVICES INC
State: KS

Complaint narrative:
I applied the correct way to discharge a debt. A debt can and should not be paid with a floating rate note which is a debt note. According to the Bill of Exchange Act and Federal Reserve sect 16 & 29 all debts should be properly discharged. I supplied them with an negotiable instrument drew up by them and properly endorsed it. I processed the lawfully way to discharge a debt the correct way in which they want to continue to ignore. According to the OCC they are now in violation of XXXX XXXX credits due to my estate. I have also sent out a final cease and desist letter. I followed the recommended process offered by the Bill of Exchange Act, OCC, and the Federal Reserve Act!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.
State: NC

Complaint narrative:
I received a letter today from Associated Credit Services for a debt from XXXX XXXX XXXX XXXX account number XXXX that was sold to them from XXXX XXXX XXXX from XXXX all of this is on the letter. in the amount of {$10000.00} this debt is not mine nor have I ever had an account with XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and found out this a account from a restaurant XXXX XXXX that is no longer in business and this was an business account. Nevertheless the account does not belong to me. I have asked them to send me the contract to no avail they claim to not have it yet these companies keep contacting me for an account that isn't mine. Until you can send me a contract showing that I had an equipment order purchase for a restaurant like the rep tried telling me at XXXX XXXX then stop contacting me. I have a right to see any and all contracts that you claim to be in my name as proof of debt which I have asked for over the years on numerous occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
This complaint is an add on to my last complaint since it only allows me to list XXXX companies. 

XXXX XXXX XXXX XXXX XXXX XXXX  There are hard inquiries on my credit report that were made without my authorization. I was not able to reach a representative with XXXX XXXX to dispute it. I was able to reach a representative with XXXX XXXX, however they were not helpful. I told them that I wanted to dispute a hard inquiry that was made without my authorization. The representative asked for my account number. I told her that I do not have an account with them. I asked to speak to a supervisor and she told me no and that if I do not have an account with them, they can not do anything with my credit report. I proceeded to ask her why they ran my credit then if I do not have an account with them. She did not answer my question and told me that I needed to contact the credit bureaus. I told her that I already did and that they told me to contact the lenders. She stated again that if I do not have an account with them, that she was unable to assist me. I reiterated to her that I do not have an account with them, which is why I'm disputing an inquiry that was made on my credit report. She hung up the phone on 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 2023-06-07 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: NY

Complaint narrative:
I try to get these accounts, correct I remove and the credit bureaus still havent done anything so I ask please to remove these accounts are correct these accounts my credit report should be 100 % accurate because I was never late with my credit card payments

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 2023-06-07 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: NM

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 1

5 USC 1681. The letters are stated with items and issues. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BC SERVICES, INC.
State: CA

Complaint narrative:
Received a debt notice after being reassured by my insurance company that no debt was owed. 

The debt collector is : BC Services XXXX XXXX XXXX XXXX 
XXXX, CO 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 2023-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
For MULTIPLE years I have experienced the following problem with Transunion XXXX. 

1. Multiple websites with broken links, unclickable buttons, and a faulty payment processing system that refuses to accept my card and then forces me to call in.

2. On call in, agents play XXXX, refuse to comply with assistance, transfer you back into same que while telling you they are transferring you to the right department, and out right hang up on you. Indeed, this all happened again just today, when I was hung up on multiple times, including by XXXX, an account supervisor in the phillipines callcenter. 

As a result I can not get my credit score, and it takes multiple hours to even come close. 

I saw that there is already a privacy class action lawsuit in the USA against Transunion, and I am strongly considering putting out a press release about this, and launching a class action lawsuit of my own. I personally know multiple people with the same problem with Transunion. 

To begin this complaint, I have formally requested what is my right : a copy of all recordings from my phone number XXXX over the last 12 months, so I can demonstrate my case. I was then hung up on again. 

Therefore, I am asking the CFPB to help me attain these recordings from Transunion XXXX, so I can have evidence for my complaint. I can not access my score at this time despite multiple documented attempts. 

Please advise.

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 2023-06-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX 4 hard inquiries were made without my authorization by XXXX of XXXX in XXXX, TX. When speaking with the business, sales manager XXXX told me the only thing he could do is apologize. I tried calling each of those companies listed above and there is no option to speak to a representative to dispute these hard inquiries and the option to do it over the phone through an automated system does not work. I have reported the business with XXXX. I want these hard inquiries removed from all of my credit reports since they were made without my authorization. I plan on taking legal action against the business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX data breach leaked my information on XXXX XXXX Found out about account 1year later and let company know case was won proven XXXX identity theft on my information case closed XX/XX/XXXX. 
Capital one credit card was opened XX/XX/XXXX amount {$200.00} Never opened any account with them filed case with XXXX XXXX XXXX for lawsuit against XXXX data breach and information got leaked twice while case was ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

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

The letters are stated with items and issues.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 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: NM

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

The letters are stated with items and issues.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
These companies has furnished my credit for so many years to a point I cant buy a home, get a vehicle for me and my family, nor any loan. Which they violated my rights as a consumer

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 2023-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
This is a predatory lender. Selct portfolio services. I my original mortgage was with XXXX XXXX. SPS bought the loan, where the problem is they have sold my information to realtors but I cant out right prove but they have because SPS buy loans that are in danger of foreclosure. My problems comes with the escrow part they keep bumping my payment so high to where there trying to put me in danger of losing my house .I made all the payments and they keep double the escrow saying I need a cushion but they can not send me anything in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: NC

Complaint narrative:
Reached out to TransUnion via telephone, chat, and attempted to remove an anuathorized credit inquiry. This was completed by XXXX. XXXX reported this was done fraudualetly and reached out to TransUnion. TransUnion locked me out of my own account and has yet to remove the fraudulent inquiry.

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 2023-06-07 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: LA

Complaint narrative:
I send the company a cashier 's check and the just keep the payment and keep asking for payment.

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 2023-06-07 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: Early Warning Services, LLC
State: PA

Complaint narrative:
To whom it may concern. I was reviewing my consumer report and I notice these accounts negative account being reported without my permission. I would like for you to furnish me my contract I have with each of these banks, with my signature. Please provide me a signature or contract that shows that I was negative on these accounts. If you can't furnish it, you have to remove it within XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: TX

Complaint narrative:
I filed a cfpb compliant, XXXX on XX/XX/2023 and sent a letter informing that the account was listed incorrectly with many errors. The account was never updated with the correct 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 2023-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: VA

Complaint narrative:
This company has ruined my credit, ,Credit is needed to buy a home, rent an apartment, and buy furniture, I had insurance since XXXX  and I am still being billed for this medical debt, the hospital did used my insurance to pay for this debt

Company response to consumer: Closed with explanation