vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-02 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: PA

Complaint narrative:
Hello I went to a few car dealerships this past year and there were multiple times I did not even give them permission to run my credit yet and I came out of there with like 20 hard inquiries, multiple different times, which is not allowed. In addition to this, some of these dealerships seem to still have my information or something because random new hard inquiries will pop up on my report when I am not applying. I need these unauthorized hard inquiries removed immediately as per the Fair Credit Reporting Act.

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 2022-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello I went to a few car dealerships this past year and there were multiple times I did not even give them permission to run my credit yet and I came out of there with like 20 hard inquiries, multiple different times, which is not allowed. In addition to this, some of these dealerships seem to still have my information or something because random new hard inquiries will pop up on my report when I am not applying. I need these unauthorized hard inquiries removed immediately as per the Fair Credit Reporting Act.

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 2022-09-02 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: PA

Complaint narrative:
Hello I went to a few car dealerships this past year and there were multiple times I did not even give them permission to run my credit yet and I came out of there with like 20 hard inquiries, multiple different times, which is not allowed. In addition to this, some of these dealerships seem to still have my information or something because random new hard inquiries will pop up on my report when I am not applying. I need these unauthorized hard inquiries removed immediately as per the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the XXXX you cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: MD

Complaint narrative:
I had a student loan and began XXXX XXXX for HVAC to begin a career in XXXX. We were expecting a child. My Girlfriend XXXX XXXX XXXX XXXX XXXX XXXX. I had to adapt to provide and care for My Daughter. That was the reason for that time frame of neglect. They took My Federal Taxes to pay this. Several years of this and its paid. XXXX I had received most of my Fed Taxes. XXXX All of My Fed Taxes. Now that 12 years later, I've worked hard to rebuild a life, these marks effect me and my family growth. 
over the years I have attempted to resolve this with them on the phone and disputes. I get a run around. I have 1 student loan and they made 4 damaging marks from it. all bearing same account number. I have to mention that I feel attacked by them from this. For years I paid thousands and thousands from my federal taxes and they still show up I owe? docent seem right. People in these situations are down. They know that. But, I never gave permission/agreed to open one or multiple improper accounts bearing my name and info. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C.1681 section 602a states I have rights to privacy.

15 U.S.C. 1681section 604 : it also states a consumer reporting agency can not furnish a account without my written instructions. 


( the account # s were from my report printed out and showed the XX at end. provided by XXXX. ) Account name U S DEPT OF EDXXXX Account number XXXX Balance {$8600.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IA 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 2022-09-02 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: MD

Complaint narrative:
I had a student loan and began XXXX XXXX for HVAC to begin a career in XXXX. We were expecting a child. My Girlfriend XXXX XXXX XXXX XXXX XXXX XXXX. I had to adapt to provide and care for My Daughter. That was the reason for that time frame of neglect. They took My Federal Taxes to pay this. Several years of this and its paid. XXXX I had received most of my Fed Taxes. XXXX All of My Fed Taxes. Now that 12 years later, I've worked hard to rebuild a life, these marks effect me and my family growth. 
over the years I have attempted to resolve this with them on the phone and disputes. I get a run around. I have 1 student loan and they made 4 damaging marks from it. all bearing same account number. I have to mention that I feel attacked by them from this. For years I paid thousands and thousands from my federal taxes and they still show up I owe? docent seem right. People in these situations are down. They know that. But, I never gave permission/agreed to open one or multiple improper accounts bearing my name and info. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C.1681 section 602a states I have rights to privacy.

15 U.S.C. 1681section 604 : it also states a consumer reporting agency can not furnish a account without my written instructions. 


( the account # s were from my report printed out and showed the XX at end. provided by XXXX. ) Account name U S DEPT OF ED/XXXX Account number XXXX Balance {$8600.00} Balance updated XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
There are soft and hard inquires pull from accounts I never open. The only account that was open in my name was XXXX XXXX  which was XXXX XXXX. The dates of the the open accounts that not me was XXXX XXXX, XXXX, XX/XX/XXXX, XXXX  XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The people who is performing fraud on my account has made my credit score low and I want to take action now. I want to report all these companies as fraud because it is not me. Below I attach the names of the company with dates and descriptions.

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 2022-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On XX/XX/2022 I submitted a letter to the three major credit bureaus ( XXXX, XXXX, and TransUnion ) and to three collection agencies disputing some Collections accounts and requesting that they either verify them or delete the unverified negative accounts on my credit report. 

On XX/XX/2022, one of those negative accounts were removed from my XXXX credit report, however, the other two accounts were still showing. After looking in the dispute center in XXXX, there was a comment added " Completed investigation of FCRA dispute - consumer disagrees. '' and " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' while the dispute still shows " Under Dispute '' and its in the " Review '' process. 

On XX/XX/2022 I received a letter in the mail from one of the collection agencies with a copy of two bills with what appears to be " my '' name on it and " my address ''. 

In the letter I explained to the collection agencies that unless they are able to provide, undeniable proof that this is my account, that they must DELETE the negative reporting because anyone can use my personal information to agree to service. I additionally asked them to provide me with a contract that has my signature on it then they have to delete it because they can prove that its my debt. 

This is life damaging information that is being reported and has not been verified and simply sending me a bill in the mail can not be enough to " verify '' account. This has ruined my ability to acquire credit and I demand it be corrected immediately. We must hold these collection agencies and especially the three major credit bureaus to account because they especially hold so much power that can destroy a persons life if a mistake is made.

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 2022-09-02 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: MA

Complaint narrative:
On XX/XX/2022 I submitted a letter to the three major credit bureaus ( Equifax, XXXX, and XXXX ) and to three collection agencies disputing some Collections accounts and requesting that they either verify them or delete the unverified negative accounts on my credit report. 

On XX/XX/2022, one of those negative accounts were removed from my XXXX credit report, however, the other two accounts were still showing. After looking in the dispute center in XXXX, there was a comment added " Completed investigation of FCRA dispute - consumer disagrees. '' and " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' while the dispute still shows " Under Dispute '' and its in the " Review '' process. 

On XX/XX/2022 I received a letter in the mail from one of the collection agencies with a copy of two bills with what appears to be " my '' name on it and " my address ''. 

In the letter I explained to the collection agencies that unless they are able to provide, undeniable proof that this is my account, that they must DELETE the negative reporting because anyone can use my personal information to agree to service. I additionally asked them to provide me with a contract that has my signature on it then they have to delete it because they can prove that its my debt. 

This is life damaging information that is being reported and has not been verified and simply sending me a bill in the mail can not be enough to " verify '' account. This has ruined my ability to acquire credit and I demand it be corrected immediately. We must hold these collection agencies and especially the three major credit bureaus to account because they especially hold so much power that can destroy a persons life if a mistake is made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: AMERICAN ADVISORS GROUP
State: NY

Complaint narrative:
My mom, XXXX XXXX, passed on XX/XX/XXXX. She had reverse mortgage with AAGXXXX. I notified XXXX to inquire what next step was. I emailed them and received confirmation of email on XX/XX/XXXX requesting letter of intent to sell along with real estate listing and asking price. I notified them on XX/XX/XXXX that an offer was accepted and the house was in contract.On XX/XX/XXXX I received a letter from XXXX stating that the property was in jepardy of going to foreclosure. I called XXXX along with lawyer after receiving letter to inform XXXX once again that house was in contract. Since then I had been in contact with XXXX up until contract was signed and copy emailed to them in the beginning of XXXX, XXXX. Date was set for late XXXX or early XXXX for closing. On XX/XX/XXXX XXXX had lawyers file for foreclosure on the property. I received several packets of foreclosure paperwork starting on XX/XX/XXXX. The property closed on XX/XX/XXXX and XXXX was sent payoff check electronically. Complaint is that I was charged {$4200.00} in unecessary legal fees knowing that property was in contract. we were also charged 7 days additional interest after waiting 7 days for payoff figure from XXXX, {$130.00}. There was also a charge for {$170.00} for mortgage insurance from XXXX! Loan # XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. How can XXXX get away with chrging legal fees on a home that was in contract and they were kept informed by email as requested! Sincerely, XXXX XXXX ( XXXX ), XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UPGRADE, INC.
State: NH

Complaint narrative:
The company Upgrade Inc with XXXX XXXX located at XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX CA. 

I got a debt consolidation loan from them in XXXX of 2022. I had my auto pay set up. Then In XX/XX/2022, the Autopay came out on the wrong day, so payment failed. I then Set up a payment for the XXXX, in which posted successfully. Then again on XX/XX/XXXX Upgrade took another payment, Unauthorized from me. I then had to call, they did agree to refund me, then explained it will take up to 10 days to do. Which after an unauthorized payment is ridiculous. After this i took my auto off and confirmed it over the phone it was shut off. 

With Autopay shut off, upgrade on XX/XX/XXXX took an unauthorized payment again. This payment i had called and had asked why it was taken without my authorization. They had no answers just like before. Again offered to return it in 10 days. I said no, as i was planning to make the payment that week anyhow. 

Now, XX/XX/XXXX they took a payment, unauthorized. Then again on XX/XX/XXXX they took another payment untheorized. I called on XXXX XXXX to ask why this keeps happening and again, they have no answer. All payments were for {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I bought two NEW keyboards from a company in XXXX, I received broken and missing item merchandise, merchant wanted for me to pay nearly {$80.00} to ship back to XXXX, so I began a dispute. Citibank without notice, months later, reversed my credit after ruling in my favor without any notification, notice, or reason! 

Why is Citibank ripping me off!??!

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 2022-09-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One is reporting I'm late on two credit cards on my credit report one month after the cards was closed. 
I've XXXX  for three months so due to that was unable to work for that time frame. 
In XXXX Capital One decided to closed two of my accounts because the auto payments was sent back. They closed both cards in XXXX but are adding high interest and fees to the account after they closed the account. In addition to that they reported that I was late in XXXX on my credit report when they closed my account in XXXX. 

I try to work with them and they are not helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: KS

Complaint narrative:
A few months ago, I disputed a collection account on my credit reports from XXXX. XXXX  ( collecting for XXXX XXXX XXXX ) on the XXXX XXXX XXXX  to which after an investigation, it was found that they did not have the documents to prove I actually owed any debt and therefore on XX/XX/2022 I received a response and a letter detailing that they would be requesting deletion of their negative tradeline. Now there was a discrepancy in the amount owed they put on the letter compared to what was already being reported, ( which I didnt think would matter, as well as I think they did on purpose to cause these problems ) but I didnt really complain as I was for sure it would be automatically deleted from all my reports anyways. NONE of the credit reporting agencies removed them by their selves because I know for a FACT XXXX XXXX XXXX, did not actually request deletion, because I had to dispute the account myself on XXXX XXXX XXXX, who after a few short days deleted the negative trade line themselves. Disputed with Experian ( who typically is the first to remove trade lines, which shows XXXX XXXX never requested deletion. On XX/XX/2022 I disputed the collection with Experian & provided the letter to them via PDF to prove that it should be deleted. On XX/XX/2022 I received the results and was told that the information was verified and accurately reporting which was a problem as I wasnt disputing if it was accurate, it needed to be deleted. So so reopened the case under a new topic saying the account is indeed closed, and today XX/XX/2022 I got the results and once again they said the information was accurately reporting. But this time they said they contacted the furnished of the information ( XXXX XXXX XXXX ) and that the furnished told them the account was in fact reporting accurately. BOTH EXPERIAN XXXX XXXX. XXXX XXXX are both being negligent and in fact are disrupting my financial future by not doing right by what XXXX XXXX has already said they would. This reporting is actually quite illegal, and my attorney is filing litigation against Experian XXXX XXXX XXXX. Remove the trade line and litigation will cease. This isnt a joke or a game. And as for XXXX XXXX changing the supposed amount owed and making it differ on the letter compared to what you are reporting is a very under hand tactic and is also extremely illegal as well. I dont know what type of games you all have going but this is why collection agencies have such bad reputations, but if you look at all their complaints this seems like normal practice for them unfortunately.

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 2022-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
Was sued by Portfolio Recovery Associates for a credit card debt that I did not accrue as I was XXXX during the dates the account was in collections. All attempts to explain that to them were ignored and they proceeded with the case. The case was dismissed as Portfolio 's attorneys no-showed mediation. 

Now, three years later, they're suing me again, for the same exact account they've already lost in court over. The account, they allege, was opened in XXXX of XXXX. The statute of limitations is six years here in Wisconsin. The last payment on this account before my XXXX, was in XXXX. So, the account is now past the SoL. 

In XXXX, they even threatened to sue my elderly Mother to collect the money owed to the " original creditor '', which is an outright lie because I confirmed with the OC that they had closed the account and written it off two years prior. Portfolio acquired the account in XXXX. 

There is no possible way I could have used that card from XXXX XXXX and no one else was authorized to use it, unless it had been stolen, which was the case. I had massive fraud and identity theft issues upon my XXXX  and even have police reports backing that. 

Yet, here they are, suing me for the same exact account again, using the exact same wording as in their prior claim again and I have received absolutely nothing by mail, email or telephone from them about it this time until I received the summons from the court. 

This is blatant harassment and it has to stop. 

My advice to anyone who reads this is to do what I did... stand your ground. Don't pay them anything, not a penny and tell these XXXX XXXX XXXX XXXX every time they call. Keep logs of when they do and be prepared to receive a summons whether the account can be collected on legally or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: Paramount GR Holdings, LLC
State: NC

Complaint narrative:
Good Leap is a solar company that forged my name and signature for a co-sign. I never agreed nor signed anything with this comapany.

Company response to consumer: Closed with explanation