vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I submitted a credit bureau investigation to Equifax for inaccurate information being reported on my credit report and i still haven't received my dispute results and it is way past the 30 days allowed by law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: MS

Complaint narrative:
XXXX Equifax and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: TX

Complaint narrative:
I have sent 2 dispute letters to Equifax, XXXX XXXX, one in XX/XX/2021 and XX/XX/2021 regarding inaccurate, incomplete, and RE-AGED ( which is illegal ) account on my report. I have yet to receive any investigation information from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In XXXX of XXXX, I received a notice stating that my credit limit would decrease from {$10000.00} to {$2800.00}. This came as a result of false reporting from XXXX XXXX XXXX XXXX due to a discrepancy with payment date. That issue was corrected, credit score was resolved, but my limit with Amex did not return. I submitted a request to have my limit increased in XXXX of XXXX after making all payments on time, and growing my credit score XXXX  points. I was denied because they said my balance was too high. My balance had been under 20 % utilization since I opened the account with a $ XXXX limit in XXXX of XXXX. I recently made a purchase that brought my balance up to approaching the new {$2800.00} limit. I checked my credit report on XX/XX/XXXX and saw my AMEX balance went over the limit by {$1.00} ( for a charge I didn't notice ). This {$1.00} has dropped my credit score XXXX points! I've recently made an extra payment to amex but wanted to dispute the XXXX point decrease on my credit report as they didn't notify me of the overcharge to give me a chance to rectify before reporting the end of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: GA

Complaint narrative:
Hello, I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed these inquiries for accounts I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: TX

Complaint narrative:
Ive disputed the two Bankruptcies with Trans union XXXX  and XXXX that doesnt belong to me. Yet they say its verified and to be mine, Ive spoke to the XXXX  court and they dont even give this type of information with credit bureaus so how is this being verified. Please remove these items they are inaccurate and incorrect. I XXXX XXXX XXXX  have found XXXX XXXX XXXX  to be on my report as a third party representative for me again these are not mine Please remove as I have not authorized these people to represent me this again does not comply with the FCRA. Remove immediately if these where mine the information is doesnt report the same dates as other bureaus and needs to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX XXXX  and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from 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 2021-07-05 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Experian, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from 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 2021-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is indicating that the account I allegedly had with XXXX XXXX is chargeoff. Their reporting the account that has been closed for years as chargeoff monthly this is drastically affecting my credit report, just by me exercising my consumer right and disputing this account as a penalty Experian is monthly reporting a charge off and Reaging my debt which is illegal. Im requesting an immediate deletion of this account if its chargeoff six years ago how is it possible to continue reporting it chargeoff monthly thats inaccurate please remove account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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:
Hey, hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being passed around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my Report I filed for identity theft because these accounts were not mine. Have them remove these thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX - XXXX Date Opened : XXXX Balance Owed : {$380.00} Dispute Status :. I am uncertain when it comes to the Balance of {$380.00}, because I dont recall owing such a high amount. Since the account is closed and charged off, the past due amount shouldnt be reported

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX - XXXX Date Opened : XXXX Balance Owed : {$380.00} Dispute Status :. I am uncertain when it comes to the Balance of {$380.00}, because I dont recall owing such a high amount. Since the account is closed and charged off, the past due amount shouldnt be reported

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
I got a notice from XXXX that there is a collection added to my credit report. 
Franklin Collection Services, XXXX XXXX XXXX XXXX. 
XXXX MS. XXXX XXXX. 
It was for {$1200.00}. 
This debt originated more than XXXX yrs ago from XXXX XXXX XXXX. I had there services when I lived in XXXX. When I changed services, they mailed me the boxes to return the equipment in. 
I mailed their equipment back to them. A couple of months later they sent me a letter stating they never got the equipment, and billed me {$1200.00}. Obviously I called to try and straighten this out, but were adamant. Seriously, what am I going to do with the equipment without their service. 
Since then, at least once a year, but this year twice so far that XXXX XXXX XXXX debt is being sold to third party collectors. Just a few months ago it was XXXX XXXX XXXX. This hurts my credit score every time it shows on my report. 
This has been an albatross for more than 10 yrs. Also what they do is show I opened an account with them. When I don't pay they report that I was late. 
This is really hurting me. 
I beg you please help me with this. I am XXXX yrs. old and I don't need this aggravation in my life right now. 
Isn't there a statute of limitations on this kind of stuff. 
Please help me. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XX/XX/XXXX a debt validation letter was sent to LVNV XX/XX/XXXX letter was received by LVNV via Certified Mail NO RESPONSE XX/XX/XXXX a second debt validation letter was sent to LVNV XX/XX/XXXX letter was received by LVNV via Certified Mail NO RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: TX

Complaint narrative:
I checked my personal credit report, and I noticed that unauthorized inquires have been made ( see below ) I request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed below. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

I also requested removal of multiple addresses found on my credit report 60 days ago. I would like them removed immediately, and have my current address updated on all credit reports. My Correct address is XXXX XXXX XXXX XXXX XXXX, TX XXXX. 



PLEASE REMOVE THE FOLLOWING : FCRA VIOLATION XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX Below you will find inquires that need to be removed, see attached files as well. 




XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Thank you for your help and assistance. 

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 2021-07-05 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:
I checked my personal credit report, and I noticed that unauthorized inquires have been made ( see below ) I request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed below. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

I also requested removal of multiple addresses found on my credit report 60 days ago. I would like them removed immediately, and have my current address updated on all credit reports. My Correct address is XXXX XXXX XXXX XXXX XXXX, TX XXXX. 



PLEASE REMOVE THE FOLLOWING : FCRA VIOLATION XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX Below you will find inquires that need to be removed, see attached files as well. 




XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Thank you for your help and assistance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: IL

Complaint narrative:
I am distressed that XXXX has included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged items, specifically the contract, note or other instrument bearing my signature. 
1. Mistaken Identity XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

2. Mistaken Identity XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

3. This account resulted due to identity theft. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

4. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX please delete it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: FL

Complaint narrative:
on XX/XX/XXXX XXXX i received multiple notices from the 3 major reporting bureas : XXXX XXXX and Transunion that their were numerous inquires being placed on my consumer credit ... i have disputed these inquires with the creditors : XXXX XXXX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX and they responded by telling these inquries were done online..Under 15 u.s. code 1681b-permissle purpose of a consumers report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to which it relates. 
I XXXX XXXX XXXX never gave _ : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX any written consent to report anything on my consumer report, NO consent is identity theft..these inquires should not be furnishing on my consumer credit report at no conditions at all.the 3 major bureaus XXXX AND TRANSUNION are wellaware of the law that has been giving by congress and they have violated my right by furnishing these fraudulent inquires without my consent ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Mortgage company ( Fifth Third Bank ) added force-placed homeowners insurance on my mortgage despite the fact that I have always had homeowners insurance since the initiation of my loan and sent them proof of this insurance via email on multiple occasions per their request. I spent approximately 6 months going back and forth with the bank about the aforementioned issue and ultimately had to involve my attorney to have the issue corrected by having the force-placed insurance removed from my mortgage statements. 

From XX/XX/XXXX to XX/XX/XXXX, I received six ( 6 ) separate endorsed checks from Fifth Third Bank to me with " return funds to customers '' stamps on them. I deposited these checks at one time towards the end of XXXX and a week later, Fifth Third had all the checks cancelled without any prior notice. I consulted with my attorney first about this issue, then spoke with Fifth Third ( as per my attorney ) and they could not give me a comprehensible explanation as to why the checks were cancelled. I was charged six ( 6 ) return check fees by my banking institutions as a result of Fifth Third 's actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is continually reporting a closed account from XXXX XXXX as chargeoff monthly on my report this has drastically affected my score and is illegal. If an account is closed how can it be reported charge off monthly Ive attached a copy of the payment history reflecting this as well

Company response to consumer: Closed with explanation