vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-02 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: AZ

Complaint narrative:
I have disputed inquiries that were not made by me to XXXX and those were, XXXX XXXX and XXXX XXXXXXXX XXXX XXXX. I have disputed inquiries that were not made by me to XXXX and that one was, XXXX XXXX auto finance and nothing was deleted or investigated. 

I have settled credit card accounts that were agreed with deletion of accounts once payment was made and the creditors have not fulfilled their agreement. 
XXXX XXXX  XXXX XXXX accounts with XXXX and one account with XXXX and Equifax XXXX XXXXXXXX XXXX XXXX  account with XXXX XXXX XXXX account with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: AZ

Complaint narrative:
I have disputed inquiries that were not made by me to XXXX and those were, XXXX XXXX and XXXX XXXXXXXX XXXX XXXX. I have disputed inquiries that were not made by me to Experian and that one was, XXXX XXXX XXXX XXXX  and nothing was deleted or investigated. 

I have settled credit card accounts that were agreed with deletion of accounts once payment was made and the creditors have not fulfilled their agreement. 
XXXXXXXX XXXX XXXX XXXXXXXX accounts with XXXX and one account with Experian and XXXX XXXX XXXXXXXX XXXX XXXX  account with XXXX XXXX XXXX account with experian

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 2023-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Systems International, Inc.
State: NJ

Complaint narrative:
I have filed multiple times that I do not nor have I have had XXXX XXXX XXXX which is based in XXXX Texas. This company dies not operate in New Jersey. This is the state I have lived in for my entire life. I do not have any solar panels nor do I have any business with this company. No bills have ever been sent to my house. This is not mine. I have filed this 3 times this past year. I have amazing credit because I work hard to pay all my bills on time. This company is not a legitimate company. This {$280.00} bill is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I.C. Systems contacted me during working hours, which is an inconvenience to me. Also, my number is registered on the National Do Not Call List as of XX/XX/2022. I.C. System, Inc. is violating the Telephone Consumer Protection Act by continuously causing my phone to ring during my working hours.

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 2023-03-02 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: NC

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of XXXX XX/XX/XXXX, XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry 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 explanation
Consumer complaint received 2023-03-02 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: NC

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE OR PURPOSE

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 2023-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Well this all started in XXXX when I recieved a wire from XXXX XXXX which I've done in the past too. This time it was flagged and they froze my account and said I'll have to wait. Then I waited until XX/XX/XXXX when they said they decided to close the account. Cool no problem. So the closing date was set for XX/XX/XXXX, called in they said we are still verifying. Then closing date of XX/XX/XXXX and I'm sure it'll continue being delayed. I have bills, a mortgage, a car loan from this bank too. So I just need my funds to be mailed to me that's all. I can't keep getting the run around with no foreseeable date. The checking account amount is {$110000.00} and the savings is {$21000.00}. The bank is bank of America of course. I just need them to close my account mail me then check so I can find another bank and continue living like a normal free citizen in the democracy of the United States of america. Thank you.

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 2023-03-02 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX, 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

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 2023-03-02 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX, 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

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 2023-03-02 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: NJ

Complaint narrative:
THERE ARE ITEMS ON MY REPORT THAT ARE NOT MINE. ACCOUNTS: 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 2023-03-02 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: NC

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of XXXX XX/XX/XXXX, XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
None of the example problems fit this issue exactly so i selected the best option that i could. I obtained a credit reporting and score update on XX/XX/ from Experian for 2 positive transactions. A paid off item was removed from my report and 1 of my credit cards went down to on 1.4 % usage and i only received a 5 point increase when the other 2 credit bureaus gave me at least 10 points for the credit card 1.4 % usuage/ pay down alone. It has been known for Experian to cheat customers such as myself out of higher point increases when theyve been earned and have also been in trouble legally for doing such.

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 2023-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: OH

Complaint narrative:
Date opened XX/XX/XXXX Last Activity XX/XX/XXXX XXXX this collection was paid off settled- Less than full balance Collection Agency : ERC XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Leif Technologies Inc.
State: NY

Complaint narrative:
XXXX XXXX - a tech training company from XXXX XXXX, California. Has granted me withdrawal status as XX/XX/2023. Yet they continue to hold my XXXX XXXX Contract with an active status and refuses to fully cancel the XXXX XXXX Contract because XXXX XXXX argued that I still owed them money. 

Now, Leif Technology, the financial services group administering my XXXX XXXX Contract will not change the status in the account from active to closed. Also, they refused to fully cancel the XXXX Contract until XXXX XXXX provide with a request to do so. 

INCOME SHARE AGREEMENT Company : XXXX XXXX  https : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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:
I disputing on XX/XX/2021 Late payment {$29.00} I sent a goodwill letter to the company requesting that they remove or delete the late payment. 

In accordance with the fair credit reporting act XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for on purpose.

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 2023-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I was denied an account with another business because of a XXXX XXXX Report that was made by this bank. This is a direct violation of my rights under the FCRA. I have not received any notice from the bank that they were putting a hold on my ability to be able to conduct any financial transactions. 

I am demanding that this report be removed from my account, as I have no duty or obligation to perform for this bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX According XXXX XXXX Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccuracies in my credit report. After reviewing my credit report, I have found several errors that need to be addressed. 

Firstly, the charge off accounts from XXXX XXXX and XXXX are not accurate. I have never had any accounts with these institutions, and therefore, the charges are not valid. Similarly, the charge off account from XXXX is not valid, as I have never taken out a loan with them. 

Secondly, the inquiries from XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX were not authorized by me. I did not apply for credit with any of these institutions, nor did I give them permission to inquire about my credit. 

These errors on my credit report have caused me a great deal of emotional distress, as they are affecting my ability to obtain credit and make important financial decisions. I demand that these inaccuracies be corrected immediately and that my credit report be updated accordingly. 

If these inaccuracies are not corrected, I may be forced to take legal action under the FCRA to protect my rights. Thank you for your attention to this matter. 

Sincerely, 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 2023-03-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccuracies in my credit report. After reviewing my credit report, I have found several errors that need to be addressed. 

Firstly, the charge off accounts from XXXX XXXX and XXXX are not accurate. I have never had any accounts with these institutions, and therefore, the charges are not valid. Similarly, the charge off account from XXXX is not valid, as I have never taken out a loan with them. 

Secondly, the inquiries from XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX were not authorized by me. I did not apply for credit with any of these institutions, nor did I give them permission to inquire about my credit. 

These errors on my credit report have caused me a great deal of emotional distress, as they are affecting my ability to obtain credit and make important financial decisions. I demand that these inaccuracies be corrected immediately and that my credit report be updated accordingly. 

If these inaccuracies are not corrected, I may be forced to take legal action under the FCRA to protect my rights. Thank you for your attention to this matter. 

Sincerely, 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 2023-03-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
XX/XX/2023, and months on end, I have sent the company Ford Motor letters by certified mail requesting validation of this account without avail. The company actions has been dishonorable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
I have been trying to refinance my mortgage since XXXX, Mr Cooper is the current lender. When they sent pay off to the new lender they said there was a HUD lien that needed to be paid off. There is no lien to be found under that case number, under my name XXXX XXXX, address XXXX XXXX XXXX, XXXX. The loan company that held the loan previously doesnt have any information either.Mr copper has failed to produce information to support this lien XXXX I lost my locked interest rate as well as {$80000.00} equity that I was to get at closing. It has been two months now and neither the loan company nor I have been able to getMr Cooper to give us the information we need to resolve this issue. Because of their inability to resolve this I was not able to close my refinance and can not afford to do so now with the current interest rates. These individuals can assist in giving you information regarding this claim XXXX, XXXXXXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: ID

Complaint narrative:
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$11000.00} Balance updated XX/XX/2023 Original balance {$7800.00} This is a fraudulent account in my name. I have disputed this account online, Over the phone repeatedly. I've asked for this to be removed as it is not mine and is causing my credit to be bad and has been for years now. It affects my housing and my financial needs .I need this removed. It is not fair I have this debt on my credit considering its not mine. I have no knowledge of this. The balance due keeps going up and my credit keeps going down. 

Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: ID

Complaint narrative:
I have no idea who this debt collector is. I have no accounts with this company and have never had any account opened with this company. Ive tried to dispute it several times and it has not been removed. 

Account info Account name XXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$820.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX  Balance {$820.00} Balance updated XX/XX/XXXXXXXX  Recent payment $ XXXX Monthly payment {$0.00} Original balance - Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation