vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-02 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: MD

Complaint narrative:
15 U.S. Code 1681c2 - 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.

the information was not requested to be blocked in error or a block was requested by the consumer in error ; also this the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; and before receiving any good and services My information is a result of identity theft before I the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 


PLEASE SEE ATTACHMENTS

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 2023-05-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated
State: NY

Complaint narrative:
Way2go XX/XX/2023. Money deposited on the XXXX and has been difficult to use. Customer service is 100 % automated and wont help. Even the alerts dont work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: SC

Complaint narrative:
Following up on contents received as a result of CFPB complaint XXXX. I am a victim of identity theft. XXXX XXXX XXXX, Experian, and XXXX had no consent to report this alleged account. The alleged lease agreement does not permit sharing my information with the third parties. And I never consented to share any information. 
The account cant be verified due to an inaccurate and incomplete itemized account statement. How was this verified? Charges highlighted in box labeled charges on exhibit A are inconsistent with the same alleged additional charges highlighted on exhibit A and exhibit B. I never received supporting documentation evidencing the dates alleged charges occurred. How can this be accurate and what method was used to verify accuracy every time I disputed this account? 
This company also keep reinserting the fraudulent account information without sending me supporting documentation of any of their results, further damaging my credit score and financial reputation. XXXX deleted this fraudulent account months ago but experian and XXXX refuse to perform a INVESTIGATION! I am concerned that Experian, XXXX, and XXXX are coercing me to pay a fraudulent debt by refusing to perform a reasonable investigation. This company also violated 15 USC 1681 ( b ) Permissible purposes of consumer report, I never gave this company XXXX written consent to report this alleged account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: LA

Complaint narrative:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You stated in your responses to my 2 previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. 

I have thoroughly reviewed the Metro 2 Credit Reporting Guidelines, and it is evident that these items do not adhere to these guidelines. As such, I request that you investigate these inaccuracies and take immediate action to delete them from my credit file.

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 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have had some issues with someone using my information to apply for accounts in my name. I have had issues in the past with my information being compromised I am trying to do my best to protect the integrity of my credit file. The following inquiries and not mines and were never authorized by me or my signature. I have filed a dispute letter and never received a response back from the following companies : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. None of these inquiries were authorized by me and I do not have an account with any of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have had some issues with someone using my information to apply for accounts in my name. I have had issues in the past with my information being compromised I am trying to do my best to protect the integrity of my credit file. The following inquiries and not mines and were never authorized by me or my signature. I have filed a dispute letter and never received a response back from the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these inquiries were authorized by me and I do not have an account with any of these companies.

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 2023-05-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AL

Complaint narrative:
Had to take a COVID forbearance period in XXXX  for 6 months. At the time of taking it they had stated that at the end of it there was 3 options, pay lump sum to catch up, move payments to end of loan and would be paid back at time of selling, pay off or refinance, or do a complete loan modification. 

When the forbearance ended, they only gave me 2 options, pay lump sum or do a complete loan modification. I asked about the 3rd option and they told me on a recorded line that the VA no longer allows this. I spoke to the VA this mornning XXXX and they told me that, they don't provide guidance on that, so if the mortgage company would do that that they could with no repercussions from the VA. The VA person ( XXXX XXXX ) stated that he has dealt and heard this from many XXXX and gave me this site to help. 

PennyMac sent over the loan modification, it was basically just a refinance not a loan mod as it was to take my current loan at a rate of 2.75 % to a new loan rate of 7.25 %. This increased my mortgage from {$1500.00} to {$2300.00}, almost {$900.00} increase. They lied and took full advantage of me knowing that I didn't have the lump sum. 

Now I am struggling to pay my other bills and take care of my family due to this huge increase of a monthly payment!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc.
State: FL

Complaint narrative:
This collection was already resolved previously and a new company decided to try and buy the debt and reopen it, which is illegal and needs to be removed all together. 

This is for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had no connection with the dish, and wait time for a phone call was XXXX minutes with no answer. I then called XX/XX/XXXX to pay the debt despite not having any service which XXXX knew well I was having major issues with my dish but was not going to allow anyone inside my unit due to covid. So I did not schedule a technical call as they said they would have to enter the premise, I told them to please cancel as I had no access to the product and services. I kept getting billed for 4 months after. Mind you I signed a contract in XX/XX/XXXX for 24 months, so they were billing me after the contract was no longer. The equipment has been disconnected for months and waiting return. I was informed me they then sent return item in XXXX, which it never arrived, so more lies on the companies part. Now they want {$400.00} plus missed item fees that can be more than {$150.00}. I should be responsible for nothing for a service that had " no signal codes '' since XXXX and a contract that expired at the end of XXXX. They need to stop collection activities for an account that one should have been closed, a service that number 2 couldn't be accessed due to technical problems and because of Covid unrepairable without putting my health at risk. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Account opened : XX/XX/XXXX I have had some issues with paying on time and my car was respossed but I had it reinstated. I am back on track and making regular payments every 2 weeks. Ally Auto has been reporting my account on my credit report as closed. This is not true. I have emailed them about the issue. They responded that I needed to call. I called and they said they could not help me and gave me the same phone number I had just called. I emailed them again today. 
I received an email today XX/XX/XXXX from XXXX XXXX that indicated my score went down. When I looked at what changed, it said that Ally reported between XX/XX/XXXX and XX/XX/XXXX that my account was closed. They also added the following remark : Consumer disputes after resolution Redeemed or reinstated repossession Fixed rate. 
My car is not repossessed and the account is not closed. This is hurting my credit score and my chances of helping my son get a parent loan for college this fall.

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 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have had some issues with someone using my information to apply for accounts in my name. I have had issues in the past with my information being compromised I am trying to do my best to protect the integrity of my credit file. The following inquiries and not mines and were never authorized by me or my signature. I have filed a dispute letter and never received a response back from the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these inquiries were authorized by me and I do not have an account with any of these companies.

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 2023-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: LA

Complaint narrative:
I have always made timely payments on this account and am therefore requesting that this late payment be removed from my account. This is not acceptable as I have been working hard to ensure that my payments are made on time each month. Please see the attached documents for verification

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: Lendmark Financial Services
State: OH

Complaint narrative:
On or about XX/XX/2023 I requested that XXXX conduct an investigation into several items on my personal credit report. At the same time I notified the alleged creditors that is was requesting validation of the alleged debt I did not and have not heard back from the alleged creditors at all however XXXX was able to somehow validate the debt. XXXX also performed an investigation on these same alleged accounts and was NOT able to validate or verify the false info and removed accounts from my file. XXXX was not able to validate the debts but yet said they had.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: TN

Complaint narrative:
Experian is refusing to give me my dispute results in a written form, as I instructed them to do so, because I have been instructed to do so for Legal purposes of this case, all correspondence must be documented so that all items given in response from creditors and furnishers can be submitted as supporting documents and evidence in my case against Experian, Also my TN department of Human services account is being manipulated by someone, i haven't made any payments but the creditors are reporting that i have, THIS IS FASLE and a lie, well over XXXX $ dollars just magically disappeared away from this balance making it look like i paid I DID NOT! and this account was already closed back in XXXX OF XXXX, Its also is strange that that same account has closed during this dispute and Experian is still not reporting it accurately, it still says open and no further information is available, this has gone beyond accounting errors, this is Fraud on behalf of both parties, the Creditor and Experian. I demand that Experian give me my disputes in writing as i have instructed, i don't wish to talk to these criminals over the phone, whatever they have to say to me needs to be done in writing or in an email that has been endorsed by the responding party.

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 2023-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have requested validation from XXXX as I do not owe a debt that they are reporting to my TransUnion report. They do not validate and TransUnion does not investigate my dispute. I have also filed a claim with ftc.

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 2023-05-02 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: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX reported medical information to a third-party company violating HIPPA and Federal Credit Reporting Act. My medical information was reported to Wakefield & Associates, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX with out my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have reviewed my credit report and have come across several HARD INQUIRYS that are listed below that i am not familiar with at all. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance to the Fair Credit Reporting Act 15 U.S.C 1681 Section 602 A. States i have the rights 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 2023-05-02 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: FL

Complaint narrative:
I have reviewed my credit report and have come across several HARD INQUIRYS that are listed below that i am not familiar with at all. XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX In accordance to the Fair Credit Reporting Act 15 U.S.C 1681 Section 602 A. States i have the rights 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 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 2023-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
DRS also know as Debt Recovery Solutions has placed a collections account on my credit report in violation of the FDCPA and FCRA. I have never been contacted by this company in any way. I have never received any mail from this company. They are reporting this as a new account opened XX/XX/2022 in the amount of {$1100.00}. They are claiming to represent XXXX XXXX. The debt with XXXX XXXX is a result of identity theft which documentation was provided. 

DRS is falsifying dates in order for it to appear to be a different account from the original account that was reported as identity theft. 

I have no relationship with DRS. I have not authorized them to use my personal information nor do I have any contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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 sent a letter on XX/XX/2023 to Equifax, XXXX, and XXXX certified. However, it's been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. 1681i - Procedure in case of disputed accuracy. If the completeness of this accuracy of any item of information contained in a consumer 's 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 reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the 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.

Company response to consumer: Closed with explanation