vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-06 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: TX

Complaint narrative:
Please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX 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 2019-08-06 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: TX

Complaint narrative:
Please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file XXXX XXXX, XXXX, XXXX XXXX, 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 2019-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I received a notice that my wages were going to be garnished ( from my employer who was served at his residential home! ) I called a credit counselor immediately after learning of the garnishment ( I had no idea where to start ). I was told only thing I could do was try to work out a payment plan. I called the office suing me.. I was told the garnishment had already gone through and there was nothing I could do ( they would garnish 25 % of my wages and thats that ). I explained this was the first time I was hearing about it and that I hadnt even lived in the state for the last few years and hadnt lived at that address for a lot longer.. they refused to work with me. So I reached out to the creditor, let them know I didnt recognize the debt, hadnt received paperwork, and was able to sign on to an account that had actual papers I could see pertaining to the account! Thats when I got really mad!! I have no recollection of the debt, the charges, and I feel like the creditor shouldve never opened this card because it wasnt me! There are charges from out of state that make no sense ( impossible for me to have purchased! ) Due to not knowing about this at all, I never had a chance to fight this! And they are already garnishing my wages.. I thought I had no other course of action but to let it happen. I am putting in a complaint here, I dont want this to happen to someone else because I didnt say anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: HI

Complaint narrative:
First of all, I never applied for any accounts with XXXX XXXX XXXX, XXXX XXXX XXXX therefore I have no knowledge about this company. Can you please just remove this information off my credit report so that I may go on with my life. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Credit Technologies, Inc.
State: CA

Complaint narrative:
On XX/XX/2019, CREDIT TECH/XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX made a hard inquiry on my credit without approval from me. I was not looking to use them as a company or even get a mortgage on a home as I am only XXXX years old. I was simply asking for simple educational questions not even looking for a mortgage or even had a home picked out to get a mortgage on. This hard inquiry should removed on my account and whenever I actually want to invest in a home I would not be interested in using this mortgage company if they add hard inquiries to my credit for no reasoning.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
For many years, I have had 2 mtgs. on XXXX, KY properties, and I live there and in XXXX.Since inception, mtg. pmts. have been debited from XXXX XXXX. In XX/XX/XXXX, XXXX had insufficient monies, so I asked PHH, the servicer, on a one time basis, to debit XXXX. In XX/XX/XXXX, rather than debit XXXX, PHH debited XXXX in error, & payments were returned. In late XX/XX/XXXX, I returned to XXXX, and opened a letter from XXXX XXXX at PHH dated XX/XX/20, saying she was my case manager, and to call her, which I did. However, each time, a recording said the extension was not available, and I was transferred to a call center in XXXX. I asked to be connected to her extension, and they tried often, without success, due to problems with their phone system. Finally, I got her email address, and only then, did she call me. I advised of the PHH error with XXXX, and that I wanted her to debit XXXX to bring my loans current, and to restore auto debits. She said she would have to research, and get back to me.She called and left VMs for me, but each time I called her, I got XXXX, and they could not transfer me to her! On XXXX, I called her again, got XXXX, & was advised that my loans were sent to foreclosure. This is outrageous and pure incompetence by PHH! I am in XXXX, where I bought a house to retire, and mailed a cashiers check to her today for the XXXXXX/XX/XXXXpmts., again asking her to restore XXXX auto debits.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: HI

Complaint narrative:
The following accounts were never a charge off, I never made a late payment on the accounts ever. 1Not to mention, they will not give me an explanation as to why they won't fix this erroneous inaccurate claim that has greatly affected my credit score. CFPB step up, reverse the late payments. XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XXXX2019 I applied for credit card with XXXX XXXX XXXX. It was denied due to credit score XXXX. 
On XX/XX/2019 I requested credit report from Experian. Received credit report indicated " your accounts in good standing '', " never late '' and no issues. I don't have too few or too many loans. 
On XX/XX/2019 I called Experian and I was told that Experian did not provide credit score to XXXX XXXX XXXX on XX/XX/2019 ( just credit report ). 
On XX/XX/2019 I called XXXX XXXX XXXX and I was told that credit score XXXX was provided by Experian on XX/XX/2019. 
I have a very good credit report and it is not clear who and why created so low cretic score = 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 2019-08-06 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: GA

Complaint narrative:
In XX/XX/2019 it came to my attention that my personal information was leaked in the XXXX, XXXX XXXX Breaches. I am a victim of identity theft. This message is in regards to the damage of my credit and several certified letters that was sent over to XXXX, XXXX XXXX TransUnion. I have notified FTC and filed a complaint upon your company. I am sending this final message to make you aware of my actions on my litigation process upon a response with 3 business days of receiving this message and after my internal dispute on the fraudulent accounts and inquiries listed below. I am seeking {$10000.00} in damage due to my personal information being leaked by your companies in compromise causing fraudulent actions on my credit which is causing me all of sorts of distress, problems, and everything negative you can think of. Debt must be ratified with an actual original signature instrument including a wet signature which these accounts are 1. Fraudulent 2. Erroneous 3. Violated several FCRAs in sections 609, 623, 611, 612, 614, 619, and also violated the FDCPA. 

TransUnion, Equifax, Experian Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Ar XXXX XXXX, Fraudulent Inquiries : Equifax XXXX, XXXX XXXX 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 2019-08-06 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: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL

Complaint narrative:
This old Medical bill was never sent to me or disclosed to me at the time of service. This was a Co-Payment from my Insurance not covering the full amount, the amount shown is incorrect and I paid this account in full. I believe it should be removed from my Credit reports as it meets FCRA guidelines, This collection company for the hospital is practicing in bad faith, it shows that this was closed on XX/XX/2019 which is inaccurate, This was paid many years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
The following accounts were never a charge off, I never made a late payment on the accounts ever. 1Not to mention, they will not give me an explanation as to why they won't fix this erroneous inaccurate claim that has greatly affected my credit score. CFPB step up, reverse the late payments. XXXX    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 2019-08-06 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: HI

Complaint narrative:
The following accounts were never a charge off, I never made a late payment on the accounts ever. 1Not to mention, they will not give me an explanation as to why they won't fix this erroneous inaccurate claim that has greatly affected my credit score. CFPB step up, reverse the late payments. XXXX  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 2019-08-06 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: HI

Complaint narrative:
The following companies XXXX XXXX, XXXX, XXXX XXXX XXXX were not entitled to check my credit history, I have no interest in getting a new loan or purchase any items from them.. It is not authorized and therefore must be deleted from all my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: HI

Complaint narrative:
The following companies XXXX XXXX, XXXX, XXXX XXXX XXXX   were not entitled to check my credit history, I have no interest in getting a new loan or purchase any items from them.. It is not authorized and therefore must be deleted from all my credit reports

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 2019-08-06 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: HI

Complaint narrative:
The following companies XXXX XXXX, XXXX, XXXX XXXX XXXX were not entitled to check my credit history, I have no interest in getting a new loan or purchase any items from them.. It is not authorized and therefore must be deleted from all my credit reports

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 2019-08-06 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:
This old Medical bill was never sent to me or disclosed to me at the time of service. This was a Co-Payment from my Insurance not covering the full amount, the amount shown is incorrect and I paid this account in full. I believe it should be removed from my Credit reports as it meets FCRA guidelines, This collection company for the hospital is practicing in bad faith, it shows that this was closed on XX/XX/2019 which is inaccurate, This was paid many years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: GA

Complaint narrative:
In XX/XX/2019 it came to my attention that my personal information was leaked in the Equifax, XXXX XXXX Breaches. I am a victim of identity theft. This message is in regards to the damage of my credit and several certified letters that was sent over to Equifax, XXXX & XXXX. I have notified FTC and filed a complaint upon your company. I am sending this final message to make you aware of my actions on my litigation process upon a response with 3 business days of receiving this message and after my internal dispute on the fraudulent accounts and inquiries listed below. I am seeking {$10000.00} in damage due to my personal information being leaked by your companies in compromise causing fraudulent actions on my credit which is causing me all of sorts of distress, problems, and everything negative you can think of. Debt must be ratified with an actual original signature instrument including a wet signature which these accounts are 1. Fraudulent 2. Erroneous 3. Violated several FCRAs in sections 609, 623, 611, 612, 614, 619, and also violated the FDCPA. 

XXXX, Equifax, XXXX  Fraudulent Accounts : All XXXX XXXX XXXX & All XXXX  XXXX XXXX, Fraudulent Inquiries : Equifax XXXX, Us Dept of Education

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-06 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: GA

Complaint narrative:
In XX/XX/2019 it came to my attention that my personal information was leaked in the XXXX, XXXX XXXX Breaches. I am a victim of identity theft. This message is in regards to the damage of my credit and several certified letters that was sent over to XXXX, Experian & XXXX. I have notified FTC and filed a complaint upon your company. I am sending this final message to make you aware of my actions on my litigation process upon a response with 3 business days of receiving this message and after my internal dispute on the fraudulent accounts and inquiries listed below. I am seeking {$10000.00} in damage due to my personal information being leaked by your companies in compromise causing fraudulent actions on my credit which is causing me all of sorts of distress, problems, and everything negative you can think of. Debt must be ratified with an actual original signature instrument including a wet signature which these accounts are 1. Fraudulent 2. Erroneous 3. Violated several FCRAs in sections 609, 623, 611, 612, 614, 619, and also violated the FDCPA. 

XXXX, XXXX, Experian Fraudulent Accounts : All XXXX XXXX XXXX XXXX All XXXX  XXXX XXXX, Fraudulent Inquiries : XXXX   XXXX, Us Dept of Education

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 2019-08-06 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: GA

Complaint narrative:
My information was leaked in the Equifax, XXXX XXXX breach and my information was used to open up fraudulent accounts & inquiries. I am a victim of identify theft, I am in distress, I have suffered tremendous pain due to negligence of all 3 bureaus along with XXXXl XXXX leaking out my personal information causing losses in many ways. I am allowing 3 business days of an internal dispute. I am seeking {$10000.00} for all the damages caused by your companies. I have filed a litigation, contacted the FTC, and many more to assure. The Fraudulent accounts/amounts : 1. Dept Of Education 2. XXXX, 3. XXXX XXXX XXXX,4. XXXX XXXX  XXXX {$25000.00}, 5.  XXXX XXXX XXXX {$12000.00}, 6. XXXX XXXX  {$12000.00}, 7. XXXX   XXXX {$340.00} The fraudulent inquiries : 1. XXXX XXXX, 2.  XXXX, 3. XXXX XXXX, 4. XXXX, 5. XXXX XXXX, 6. XXXX XXXX XXXX, 7. XXXX XXXX, 8. XXXX XXXX  XXXX, 9. XXXX, 10. XXXX XXXX, 11.  XXXX XXXX, 12. XXXX XXXX, 13. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-06 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: HI

Complaint narrative:
I was not late on the month that shows on my credit report, the late payment is inaccurate, it as paid as agreed..Remove or Fix XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I was not late on the month that shows on my credit report, the late payment is inaccurate, it as paid as agreed..Remove or Fix XXXX  XXXX 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 2019-08-06 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: HI

Complaint narrative:
First of all, I never applied for any accounts with XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: HI

Complaint narrative:
First of all, I never applied for any accounts with XXXX  ( Original Creditor : 10 XXXX XXXX ) XXXX** therefore I have no knowledge about this company. Can you please just remove this information off my credit report so that I may go on with my life. Thank you.

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 2019-08-06 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: HI

Complaint narrative:
have disputed the student loan account with Experian regarding XXXX XXXX XXXX XXXX XXXX. They wont give me a concrete response why they say its verified and the account is accurate when its definitely not.. Payments were reduced, student loan is in forbearance. Please delete it 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 2019-08-06 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: HI

Complaint narrative:
The following companies XXXX, XXXX, XXXX, XXXX, XXXX were not entitled to check my credit history, I have no interest in getting a new loan or purchase any items from them.. It is not authorized and therefore must be deleted from all my credit reports

Company response to consumer: Closed with explanation