vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-12 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: PA

Complaint narrative:
Hi, my name is XXXX XXXX I have been reaching out to the XXXX credit bureaus XXXX, XXXX, and Equifax since XX/XX/XXXX. It is now XX/XX/XXXX I will enclose documentation of this proof within that time XXXX, Equifax, and XXXX have not met my demands or response to information on my credit report in which I want validated. These accounts that I will list below do not belong on my credit report. I have submitted the FTC reports, proof of identification all that was asked of me and my consumer rights are being played with. I am reaching out to the CFPB to provide them with proof of what is going on and to show that I am 100 % right in this situation in which XXXX, Equifax and XXXX are forcefully reporting delinquencies and not responding letting me know the results of their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: NC

Complaint narrative:
I XXXX XXXX XXXX XXXX XXXX the following : In accordance with the Fair Credit Reporting act Convergent Account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
A Hard Inquiry on XX/XX/2022 was placed on my credit report by Capital One. The was no account number or card number provided by Capital One when i had called, I'm assuming there wasn't a card sent out. I would like for this hard inquiry to be dealt with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help

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 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
According to the FCRA XXXX XXXX XXXX XXXX  XXXX  XXXX MO, and XXXX XXXX XXXX XXXX XXXX # XXXX these inaccurate and unverified address must be removed asap from my credit report. This address I have never lived at and I don't want my mail going to someone else with all the fraud that is going on right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: IL

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer and I am submitting this complaint against TransUnion and also for a follow up to my original letter sent to TransUnion dated XX/XX/XXXX, regarding inaccuracies in their credit reporting. Specifically as related to unauthrorized, fraudulent and inaccurate inquiries furnished by TransUnion are, 1. XXXX XXXX, inquiry date XX/XX/XXXX and 2. XXXX XXXX, inquiry date XX/XX/XXXX. Both inquires of which I did not authorize. In response to my original dispute concerning these inaccuracies, TransUnion replied via USPS, stating, " Your written authorization may not be required to constitute permissible purpose ''. ( their response letter is attached labeled, TransUnionIqu. ) Pursuant 15 usc 1681b ( 2 ) states a consumer reporting agency may only report under the following circumstances and none other, " In accordance with the written instructions of the consumer to whom it relates ''. 1st violation. The 2nd violation is Pursuant 15 usc 1681a ( 2 ) ( B ) - any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. In the result of their response, a 2nd Inquiry letter was sent today XX/XX/XXXX to TransUnion. 
My other concern with TransUnion is that I received a letter via USPS ( attached and labeled TransUnionInfo ) stating that my " Proof of address was Unacceptable ''. I called TransUnion to speak with a representative to clarify the issue, and when I inquired about inaccurate addresses being furnished on my consumer report, the TransUnion representative hung up on me. TransUnion requested in their letter that I needed to provide acceptable documents to verify my address to which they mailed me a letter to. Also attached is that requested documentation, labeled Bank statement and also attached is a scan of my state ID. The inaccurate addresses that are being reported are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il. XXXX. All of which are not correct addresses and nothing can be delivered to me at any of those inaccurate addresses. Federal law states that everything has to be 100 % accuracy in reporting to consumer reporting. TransUnion 's actions is causing harm to me & my financial reputation.

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 2022-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lockhart, Morris & Montgomery Inc.
State: CA

Complaint narrative:
I received a collection notice from Morris, Lockhart , & Montgomery on XX/XX/XXXX. The letter stated I had 30 days to request a debt validation letter. I sent my debt verification letter on XX/XX/XXXX via certified mail. The letter was received but it has been more than 30 days since i requested the letter and i have not received this information. This debt has been reported to the credit reporting agencies. Because it has been more than 30 days and they have not responded to my verification letter, its a violation of the Fair Debt Collection Practices Act ( FDCPA ).

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 2022-04-12 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help

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 2022-04-12 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XX/XX/2022 XXXX removed debt collector for failure to validate. 
Debt Collector has reported false debt on XXXX XX/XX/2022 & XXXX XX/XX/2022. 
Debt collector continues to avoid validating debt. **** Futhermore Debt collector is hiding original creditor information in reports to avoid validation. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: NV

Complaint narrative:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the following items are not removed in 4 business days XXXX will be in direct violation of 15 U.S. Code 1681c-2. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ). Fraudulent account : XXXX XXXX XXXX ( Account Number : 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 2022-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
There was charge card opened in my name by an employee of Wells Fargo in XXXX of XXXX. I was contacted some time after the card was opened and I advised the person that I never opened the account. In the beginning of XXXX I was contacted once again regarding the same account. I reiterated that I did not open the account. I kept getting harassing phone calls to make payments so I ended up just paying the amount and they finally closed the account. I was apart of the class action lawsuit against them. In re Wells Fargo XXXX XXXX XXXX XXXX, Case No. XXXX. I was not the only XXXX as it was determined that their employees opened up cards using millions of customers info without consent. I thought the account was deleted from my credit. However, I found out recently that the account was not deleted from my credit. I reached out to Wells Fargo and they advised me they were not able to find any XXXX or closed account for me and advised me to dispute it. I filed a dispute with all 3 credit Bureaus. I got a response from XXXX that the account was accurate and will remain on my credit. I reached out to Wells Fargo again today and was advised once more that there is no history of me having an account open or closed. I need help getting this deleted as it has negative remarks but yet they aren't able to find an 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 non-monetary relief
Consumer complaint received 2022-04-12 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: Nelnet, Inc.
State: GA

Complaint narrative:
The company XXXX XXXX has flagged your account as 60 Days Past Due on XX/XX/XXXX. On XXXX of my credit reports knowing I filed for XXXX  XXXX Bankruptcy XX/XX/XXXX, they have called me several times and sent emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help

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 2022-04-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMA Advisors, LLC.
State: NJ

Complaint narrative:
The mortgage company, Homebridge Financial Services was the originator of the initial mortgage of my home in XXXX. In the interim, Homebridge sold the loan to XXXX XXXX. During Covid, my business decreased significantly which later resulted me to go into a forebearance program with my mortgage. In the summer of XXXX, the forebearance period ended which then meant that I had to resume mortgage payments. I then turned to Homebridge since they were the originators of my mortgage and applied to refinance my mortgage to lower my interest rate and term. The mortgage was a bank statement loan being that I am self employed. From XX/XX/XXXX to XX/XX/XXXX, the mortgage has yet to be approved. The original loan XXXX caught XXXX which then introduced his supervisor, the loan manager to oversee the file. It has been over 8 months that this loan application has been dragged and mislead. Every week, there's been a request to submit a document, pay down a credit card, but now once until last week did we hear that there are no longer unconventional loans being approved. I'm submitting this complaint of the deception that Homebridge Financial has engaged. Their promises that the loan was going to be approved was absolutely false. I was convinced that the loan manager was experienced and truthful so much that I didn't pursue other lenders. ( why would I pursue any other lenders since Homebridge already had my history ) For the last 8 months, I had to pay a high monthly mortgage payment of {$4400.00} that I couldn't afford thinking that this month would be the last. Homebridge was 99 % sure that the loan would be approved but it was never submitted to underwriting. This is why I know I was wrongfully advised and deceived. This week I approached 2 lenders and submitted my tax documents for them to review my file for a loan. They all told me that there's not been an unconventional loan program for some time. ( bank statement loan ). I'm frustrated and angry that the loan manager has NEVER mentioned that the underwriters never looked at my file and that that the unconventional programs have ceased. 8 months of wasted time and money down the drain!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I was withdrawing {$400.00} from TD Bank ATM machine in the machine jammed and does not give me the cash. I contacted them and they said it was my banks problem. And now they will not return my calls or my messages. The machine was inside of XXXX and the store clerk Also heard the machine jamming. Its been over a week now and I still have not got contacted by anybody after many tries on my end.

Company response to consumer: Closed with explanation