vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-27 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: NY

Complaint narrative:
The dealership ran my credit report without my permission. I visited a dealership but I never gave the salesman my social security number and I told him that I will not give any permission until preliminary number were worked out. However, I found out that more than 20 companies ran my credit report without my authorization. My rights has been violated and now my credit score decrease because of that negligence. 

Once I received a copy of my credit report, I immediately report the problem with the credit bureaus but as of today, I haven't received a satisfactory respond from them or the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: NY

Complaint narrative:
The dealership ran my credit report without my permission. I visited a dealership but I never gave the salesman my social security number and I told him that I will not give any permission until preliminary number were worked out. However, I found out that more than 20 companies ran my credit report without my authorization. My rights has been violated and now my credit score decrease because of that negligence. 

Once I received a copy of my credit report, I immediately report the problem with the credit bureaus but as of today, I haven't received a satisfactory respond from them or the company.

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 2021-10-27 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: VA

Complaint narrative:
Experian is reporting an excessive amount of inaccurate information about me including an XXXX loan account number XXXX on my report in the amount of {$3000.00}. The term of the loan was for 12 months. 13 on time payments were reported by Experian followed by late payments and a write off. How is this possible? The loan was paid off early. Nothing was done to correct the conflicting payment history. When I called I was told it was my job fix their reports. Experian stated they received no evidence from empower. It sounds like they just took their word for it. Experian also stated the only type of fraud they recognize is when someone steals your identity. No other types of fraud are applicable to them.

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 2021-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rate Plus, Inc.
State: OR

Complaint narrative:
I've received several letters that appear to be from my mortgage lender but are actually advertisements from Rate Plus Inc. ( XXXX ID XXXX ) offering to refinance my mortgage with them. I'm worried that someone who reads less closely could be tricked into refinancing with a less reputable lender when they thought they were refinancing with their chosen lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XXXX I mailed a {$1600.00} ( title agency ) check to comenity bank to pay off my XXXX  XXXX  account. At that time I wasnt aware that XXXX had switched from comenity to XXXX  XXXX. When I realized that XXXX had switch companies I called comenity immediately to let them know what happened. Comenity reassured me that when they received the money they would immediately forward it to XXXX  XXXX. I kept checking the status with both companies. Both companies told me they neither of them have received the money. I then reached out to the title company to see if the check had cleared yet. The title company that issued the check said yes, that the check was cashed by Comenity bank on XXXX and sent me a copy of the cleared check. I called comenity and they said they never received the money but if they did it would have been sent over to XXXX  XXXX and that I should check with them ( XXXX XXXX ) I have called and checked with XXXX  XXXX and they dont show any record of comenity forwarding the money to them. I keep calling and reaching out to both companies and no one know where the {$1600.00}. I have been told by both companies that neither of them have the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
actions taken by me thru email shopping for auto insurance on email below I clicked the link and in the middle of providing my information I got 2 phone calls and four text messages the email I clicked on below TrueIdentity XXXX Provided my date of birth name car description my address XXXX. 
and then phone calls started from XXXX and XXXX then text messages from XXXX, XXXX and XXXX mentioning the year and model stating my quote is ready finding my shared information saved on proggressive.com geico.com everquote.com pretected.com Witnessing these service and practices was fun and educational As my quote went higher and higher shows the integrity and sales of information Giving a clear view of a collective of sloppy service and desperate practices I had to write this complaint as a concerned American Understanding where our Country in means of service are becoming unprofessional unaccountable and 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 2021-10-27 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: MD

Complaint narrative:
On XX/XX/2021, I sent a letter regarding unknown and inaccurate items listed on my credit report. To date more than 120 days have past without a response and I feel that my request has been ignored. in Section 611 ( a ) of the FCRA, it clearly states that failure to investigate these items in 30-days requires them to delete the disputed items immediately. It has been a total of 120 days or more since my last request and no response. These items should be promptly deleted from my credit report. My information had been involved in the Equifax data breech and is most likely in the hands of the wrong people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I opened a Kabbage by American Express checking account three months ago. I was using the account without issue, when suddenly they locked the account as a fraud preventative measure. The problem is that Customer Service is non-existent. I can not get anybody to pick up the phone ( after waiting on hold for over two hours ), respond to emails, or respond to secured messages from within the checking account interface. They appear to have ceased all communication with myself and many, many other people, judging from data points reported on the internet citing an identical experience : opened an account, used regularly without issues, sudden locking of the account, and a refusal to answer questions. 

The account also has money in it that I can not access or withdraw. They are holding my own cash hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bliksum, LLC
State: UT

Complaint narrative:
This caller is from LOAN Me, predatorily traces phone numbers to supposed family members or supposed relatives in order to find information about someone. Calls numbers many times a week and when blocked, still tries to repeatedly leave many voicemails. There is currently no way to block voicemails with my carrier and they disrupt my careful attention to important work calls and voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Kashia Services
State: OH

Complaint narrative:
Company provided with a verbal do not call request as well as cease and desist via email. A representative confirmed receipt of emailed notice. Notice given on XX/XX/XXXX demanding company to cease all verbal communication and communicate only via writing. Since that time I have received no further written communication. However, there have been several phone calls made on XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
I was on a forbearance plan with my Mortgage company. They stated there was no penalties for the plan. Now that I am contacting them to restart payments, they have done a loan modification, however the modification includes interest on the mortgage during forbearance resulting in my total owed for the house going from {$300000.00} to {$320000.00}. Nothing i completed stated that there was interest acruing during this period.

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 2021-10-27 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:
I AM A VICTEM OF EQUIFX DATA BREACH & MY INFORMATION WAS ON THE BLACK WEB SINCE THERE HAVE BEEN UNAUTHERIZED INQUIRES & ACCOUNTS I SENT THIS INFO TO ALL 3 BEREAUS FOR DELETION MULTIPLE TIMES

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM A VICTEM OF XXXX DATA BREACH & MY INFORMATION WAS ON THE BLACK WEB SINCE THERE HAVE BEEN UNAUTHERIZED INQUIRES & ACCOUNTS I SENT THIS INFO TO ALL 3 BEREAUS FOR DELETION MULTIPLE TIMES

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 2021-10-27 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: GA

Complaint narrative:
In XX/XX/2020 an derogatory account was reported for the XXXX. I'm filing a claim under FCRA Section 623. I'm in desperate need of this account being removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: CO

Complaint narrative:
I sent a dispute letter regarding XXXX XXXX on XX/XX/2021 and It has pasted 30 days for an investigation according to the Fair Credit Reporting Act ( FCRA ), section 611 : if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the credit file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

I believe the account XXXX XXXX should be removed from my consumer 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 non-monetary relief
Consumer complaint received 2021-10-27 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: NM

Complaint narrative:
I am submitting another complaint in response to false and misleading statements made by Portfolio Recovery Associates ( PRA ) in CFPB complaint # XXXX on XX/XX/2021. On XX/XX/2021 PRA responded and had stated they did not use " false and misleading means '' in regard to my address. I have attached copies of the envelopes they sent with the wrong addresses and the dates they were sent. Clearly a violation of the FDCPA. PRA also stated that they did not receive any correspondence from me which is also false. I also attached Certified mail receipts along with green receipts with signatures stating they were received multiple times. PRA also stated they notified credit reporting agencies that the debt was disputed but the debt remained on all three credit reporting agencies and is still reported which is a violation of FCRA 15 USC 1681a ( e ) PRA can not report any factual information. I did receive a response back from PRA on XX/XX/2021 stating PRA did an " investigation '' and sent documents to try and established the debt was valid but failed to provide the information that I had requested. According to 15 USC1681a ( e ) an investigation is interviews with friends and family of the consumer. AS of today PRA has not interviewed any of my friends of family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I requested and received a free copy of my credit report ( dated XXXX XX/XX/2021 ) from the Experian Credit Bureau. The bulk of the information was accurate except that there were two previous addresses which were incorrect and did not belong there. I submitted a written request ( via USPS ) to have these two addressed removed. On XXXX XX/XX/2021, I received an email from my estranged brother advising me that he received two email from Experian advising that my dispute results were available. He forwarded these emails to me and I subsequently called Experian to find out what was going on. 
An Experian agent advised me that they responded to my dispute via the only email that they had on file for me. I advised them that I have never provided an email to them, in fact, my only correspondence with them has always been in writing and via US mail. They also advised me that I had an account with Experian. Apparently, an account was set up in my name with a password, a PIN, a security question and my brother 's email address. After going back and forth with the agent, I convinced them who I was and was allowed access to the account. I took this opportunity to change all the information except for my brother 's email address. 
I stated that I wanted this investigated as an identity theft and asked that charges be filed. I was told that I needed to file a police report to get that started. I filed the police report with the XXXX XXXX Police Department on XXXX XX/XX/2021. A copy of this report was forwarded to Experian along with additional proof of my identity. Experian responded by issuing a fraud alert - and nothing else. 
I tried multiple phone call to Experian to emphasize my desire for answers. I finally wrote to Experian on XXXX XX/XX/2021 and repeated my request to have this matter investigated and prosecuted. I received a generic response that a fraud alert was issued per my request. ( I never requested a fraud alert ; only an investigation. ) I strongly suspect that it was my estranged brother that committed this act, however, I can't guess what his motive was. I can not pursue this matter on my own as I have no idea where this crime generated from. Only Experian can help me with that. 
I would think that Experian would have some concern regarding someone breaching their system but they have shown no interest. I want to know how this happened, who committed this act, and see a referral to law enforcement.

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 2021-10-27 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: PENNSYLVANIA HOUSING FINANCE AGENCY
State: PA

Complaint narrative:
I XXXX XXXX, a federally protected consumer received a credit alert notification that I had a late payment for the month of XXXX reported by PHFA when the payment was made on XX/XX/21. This is a billing error thats needs to be rectified. A late payment is not defined by federal law. This inaccurate information is false and needs to be corrected immediately as this is a burden on my self and my family.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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:
On XXXX XXXX I sent letters regarding in accuracy and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute section 611 ( a is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 60 days so they should be deleted properly. I demand these accounts to be deleted immediately or I will file for litigation due to the XXXX  you calls me. My information was also impacted by the echo effect data breach and may have got into the hands of the wrong person.. 

I feel that these accounts are adversely affecting my credit report and cost me thousands of dollars in interest every year. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission and XXXX  XXXX XXXX  because to my knowledge. I do not recall any of these accounts. I need this problem fixed ASAP. I will not wait another 50 days to receive no response because clearly you all are ignoring me. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. Section 611 ( a ). It is plainly stated that XXXX to investigate these accounts within 30 days gives a reason to immediately remove these items from my credit report has been 50 days so they should deleted prompt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: CA

Complaint narrative:
On XX/XX/2021 and XX/XX/2021 I sent a dispute letter to Equifax to remove incorrect information that is in direct violation federal law. 
This is a collection account, that is reporting as " OPEN '' collection accounts should not report as an OPEN account. There is a past due account reporting which on a collection account it can not be past due, this should be at a XXXX balance, In XXXX of 2021 in the two-year history randomly a 120 day late was reported, which is impossible to do on a collection account. 
They have not investigated this, nor corrected it. its been over 4 months and by law this account should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this charge. I ask that the items be deleted to correct my credit report. I reported the theft to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation