vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-21 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: MO

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my TransUnion credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  - G Inquiry from XX/XX/XXXX XXXX XXXX XXXX 
XXXX Inquiry from XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry from XXXX  XXXX, XXXX Please remove these inquiries from my credit report immediately. I have enclosed a copy of my identification card as proof of my identity.

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 2021-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capio Partners, LLC
State: PA

Complaint narrative:
Pease be advised that I requested validation from the collector of this account. I received a response that clearly violates my Hipaa rights. The collector did not provide me a Hipaa release that releases my medical information to them. Therefore by providing such information they are in violation of my Hipaa rights. I also feel that their response to my request for validation amounts to nothing more than a stall tactic which is also illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-21 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:
credit inquiries, Ive already attempted to contact the reporting agencies advising them that the credit inquiries that doesnt have a established account does not belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: GA

Complaint narrative:
I am also attaching this with this complaint, for better readability Removal of Unauthorized, Unknown MULITPLES RAN Hard Inquiries from my Credit Report I am exercising my right under The Fair Credit Reporting Act and disputing the hard inquiries from my credit report. 

These inquires are Unauthorized, and Unknown and ran multiples of times. 

I only did 1 ONE application. When I checked my account, I noticed 10 inquires and had multiple run.

These inquires are hurting me, my family and has severely impacted my ability to obtain any credit.

FOLLOWING HARD INQUIRIES MUST IMMEDIATELY BE REMOVED COMPANY INQUIRY DATE REASON 1. 
XXXX XXXX XX/XX/2020 UNAUTHORIZED AND UNKNOWN XXXX XXXX XXXX XXXX, MD XXXX XXXX. 
XXXX XXXX XX/XX/2020 UNAUTHORIZED AND UNKNOWN XXXX XXXX XXXX XXXX FL XXXX XXXX, NJ XXXX XXXX. 
XXXX XX/XX/2020 UNAUTHORIZED AND UNKNOWN XXXX XXXX XXXX XXXX XXXX, CA XXXX CONTINUED FROM PG 1 4. 
XXXX XXXX XXXX XXXXXXXX XX/XX/2020 UNAUTHORIZED AND UNKNOWN XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX. 
XXXX XXXX XX/XX/2020 UNAUTHORIZED AND UNKNOWN XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX. 
XXXX XX/XX/2020 UNAUTHORIZED AND UNKNOWN XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. 
XXXX XX/XX/2020 UNAUTHORIZED AND UNKNOWN XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. 
XXXX XX/XX/2020 UNAUTHORIZED AND UNKNOWN XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. 
XXXX XXXXXX/XX/2020 UNAUTHORIZED AND UNKNOWN XXXX XXXX XXXX XXXX XXXX, OH 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 2021-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Upon Checking my Credit report in order to purchase a house I was informed that I had an inaccurate bankruptcy on my report. The reporting agency that is reporting this error in information is Trans Union. This report is very inaccurate and is a detriment to my livelihood on obtaining a place to live and function in this society and striving especially during this covid-19 crisis. Also by law, it is stated by the courthouse that information from their record is never shared publically or to outside vendors so that further shows the incorrect information that has strangely been added to my report by a questionable unknown source.

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 2021-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I owed this debt a long time ago -- My name is XXXX XXXX I started this XXXX must of paid a few months the car broke down after I passed it on to someone else to take over payments the car broke down on him the car broke down completely was not able to be fixed so the car was re-possessed and it was sold at auction -- for whatever it was worth -- I am not able to pay for a car I don't have and I'm not going to be able to drive this was since right after XXXX must have been XXXX so this Santander is selling this debt to other companies to try to collect that have called me before- and everytime they try to collect they show up on my credit report now it shows up as a brand new bill as of XXXX it is not a new bill so everytime a new bill collector gets it I get so many points off on my credit score but it is the same bill-I don't think that is correct that the same collector every year or maybe half a year shall be taking points off my credit score just because one doesn't collect so they pass it on to someone else -- do you -- so more points comes off my report??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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:
credit inquiries, Ive already attempted to contact the reporting agencies advising them that the credit inquiries that doesnt have a established account does not belongs to 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 2021-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: FL

Complaint narrative:
The bank closed my account XX/XX/2020 told me my fund would be sent never got them everytime I reach out no reply

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Moore Law Group
State: CA

Complaint narrative:
During the first week of XXXX my husband and I began application to refinance our home. On XX/XX/XXXX the title company found that there was a lien attached to our home. We did not know of this lien until XX/XX/XXXX. XXXX had sold the loan to the Moore Law Group in XXXX XXXX California. Moore Law group filed a lien on our home XX/XX/XXXX. My husband and I filed for bankruptcy on XX/XX/XXXX. When we looked over the paperwork regarding bankruptcy the Moore Law Group was included along with XXXX and XXXX. We began phone calls to XXXX on the XXXX they gave us to the Moore Law Group who told us they sold it to XXXX XXXX  XXXX. We phoned the number they gave us and they were no longer in business. We phoned XXXX once again. After many transfers and I had to repeat my social security number to the same person 5 times I became very skeptical. They told us we would have to use mail as there were no email or fax machines. We told them we were applying for a loan and dont have that amount of time. On Tuesday XX/XX/XXXX we began again with XXXX and after many transfers from XXXX to XXXX then back again to XXXX we reached a XXXX!! She said she would contact the Moore Law Group for a XXXX demand letter, she said she saw our bankruptcy and there was XXXX balance. On XXXX XXXX we contacted the Moore Law Group for XXXX demand and received a notice that we owed XXXX then they would release the lien. On Friday XX/XX/XXXX I emailed a settlement request for XXXX. For them to remove the lien.

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 2021-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
So I've sent several disputes to Experian asking them to remove several accounts from my credit report and not only have they not actually done it yet but they haven't even responded to not one of my dispute letters. I am so freaking frustrated and confused because not only have I had to spend time writing these stupid dispute letters now I'm having to spend even more time writing this complaint because I am not receiving any responses back from Experian. Thank XXXX XXXX  and XXXX have been great and I haven't had to spend too much time getting their help since I am getting responses back from them and they are doing what I am telling them to do. I also thought there was a law saying these guys only had 30 days to respond back to my inquiry?? Well it's been way more than 30 days so I just want to know what the heck is going on here and why they aren't removing these collections and charge-offs 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 2021-02-21 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: GA

Complaint narrative:
PLEASE SEE ATTACHED DOCUMENT FOR DETAIL INITIALLY SENT VIA CERTIFIED MAIL ON XX/XX/XXXX, NO RESPONSE RECEIVED, AS OF TODAY XX/XX/2021 @ XXXX XX/XX/XXXX, SENDING THE COMPLAINT VIA CONSUMER FINANCILA PROTECTION BUREAU THESE ITEMS MUST BE IMMIDIATELY ACTIONED AND REMOVED FORM 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 2021-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I noticed XXXX XXXX XXXX XXXX reported to a charge off to all the three major Credit Bureaus before 90 days. Per the FDIC 5000 - Statements of Policy ; Open- and closed-end loans past due 90 cumulative days from the contractual due date should be classified Substandard. 

Which the balance was paid before the account was reported as a charge 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 2021-02-21 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: WA

Complaint narrative:
I bought a {$100.00} Mastercard gift card at the XXXX XXXX  XXXX ( XXXX, WA ) on Saturday. XXXX XXXX, XXXX. When my son went to use it, he learned it was not activated at the store. I called the number on the back of the card and it said there is a " problem with the card ''. I went back to the store on XX/XX/XXXX and they told me they couldn't do anything to activate it or return it, and suggested I call XXXX XXXX, XXXX, XXXX at XXXX XXXX XXXX XXXX. I couldn't get a live person on the line when I called this number and instead it seemed to be an upsell ploy to get me to sign up for all sorts of random services ( insurance, health care, etc. ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: UT

Complaint narrative:
I checked XXXX XXXX, had a new account open with Jefferson Capital Sy Opened XX/XX/2020. The account is for XXXX XXXX, which I do not have. 
I called XXXX, the representative said someone with the last name XXXX is using my social security number. I do Not know anyone by that last name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I paid off the XXXX note, but they didn't give me the exact payoff on the date I paid it. Obviously, they neglected to include an imminent accrued interest of {$5.00}. So {$5.00} was left owing on the note. I actually asked for the current payoff on the telephone and PAID IT THAT DAY, so this was the clerk 's mistake for giving me the incorrect payoff. The clerk also confirmed the note was paid in full at the time. It was not until the " late payment '' showed up on my credit report that I even knew there was an issue. ( I did not receive any additional payment requests ) At the time, I spoke with XXXX, they apologized, I paid the {$5.00} and they assured me my credit rating would be returned to " Paid as Agreed '' but I see it is STILL showing I was delinquent. Since the company didn't remove the error as they agreed, I felt you were my only option to getting this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: IL

Complaint narrative:
I sent in a dispute to the credit bureaus about this debt collection companies reporting inaccurate information on my credit report and asked for verification. The company then sent me information about trying to collect a debt from me but they didn't provide the proper validation to prove that i owe a debt to the company Even though they provide me a statement according to law that 15 usc 1692 g that still doesn't suffice that the debt was mine only an assumption also they are in violation of 15 Usc 1692g because they never sent this information within 5 days of initial communication. Also they are in violation 15 usc 1692b, Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The Debt collectors are also violating 15 usc 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. the credit bureaus are in violation because i the consumer never gave them permission to report that on my credit report. Pursuant to 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. Also the information was deleted from my XXXX and i sent this to both experian  and XXXX to remove this inaccurate 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 2021-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I sent in a dispute to the credit bureaus about this debt collection companies reporting inaccurate information on my credit report and asked for verification. The company then sent me information about trying to collect a debt from me but they didn't provide the proper validation to prove that i owe a debt to the company Even though they provide me a statement according to law that 15 usc 1692 g that still doesn't suffice that the debt was mine only an assumption also they are in violation of 15 Usc 1692g because they never sent this information within 5 days of initial communication. Also they are in violation 15 usc 1692b, Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The Debt collectors are also violating 15 usc 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, REPUTATION, or property of any person. The debt Collection Company by reporting this inaccurate information to the credit bureaus. It effected my reputation when trying to get approved for the essential things of life a home and a car. Their actions has ruined my reputation and caused me to be looked as inadequate to other financial institutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WI

Complaint narrative:
My mortgage servicer pays my property taxes. My husband is a 100 % XXXX veteran who is eligible for the WI state property tax credit. Property taxes are to be paid by the end of the year and we must submit a receipt from our city treasurer when our taxes are filed showing taxes were paid by the end of the year being claimed. I called XXXX treasurer to obtain a receipt and was told the taxes had not been paid. This was the third week of XXXX XXXX have tried to contact the company several times over the past three weeks. I am put on hold for long periods, then get told they will escalate my issue, but nothing happens. City is showing our tax payment posted on XX/XX/2021. I need the mortgage servicer to contact the city treasurer to correct their error. We rely on the tax credit refund to enhance our retired income. My mortgage servicer is LoanCare. I also found out that they use a third party payer which we were unaware of.

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