vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-29 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: NC

Complaint narrative:
I contacted the creditor listed on the credit reports and they informed me to contact Equifax. And some creditors did not have contact number to contact. 

I have tried disputing the issue with Equifax and they are stating I need a letter from FDC Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CT XXXX XXXXXXXX XXXX XXXX Dispute this XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, MI XXXXXXXX XXXX XXXX Dispute this Dispute this XX/XX/XXXX XXXX 'S XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, FL XXXX Dispute this XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MI XXXXXXXX XXXX XXXX XXXXXXXX Dispute this Dispute this XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
these accounts don't belong to me. please remove accounts : 1. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: LA

Complaint narrative:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 XXXX ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I refied my home w Qicken loans. After a few months I got a letter dt XX/XX/2021 from Quicken in the mail indicating that the loan was being transferred to XXXX XXXX  effective XXXX, 2021. I was also informed that XXXX would be contacting me. 

It is now XX/XX/2021 and I have received no info from XXXX XXXX  regarding the transfer. 

I am hesitant to send my mortgage to a new provider without receiveing confirmation from the new provider XXXX. I have received no communication from XXXX regarding an account number or information for where to send the mortgage payamen. I have continuted to send my XXXX XXXX  payment to Quicken. 

I think it is wrong for Quicken to move so quickly at short notice to transfer mortgage payment. I think someone should be accountable to ensure that this handoff is managed well so that the customer, me, get assured that we have been transitioned correctly to the new provider. I am afraid to send mortgage to a new provider with just an address. I want an account number at the new provider so that I am assured that my payment is recorded correctly. 

best regards, -XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: OneMain Finance Corporation
State: NY

Complaint narrative:
Hi, I noticed some credit inquiries in my credit report of XXXX XXXX, XXXX  and XXXX  which I don't recall authorizing them. Please help me with this issue. Following Inquiries I don't recognize - XXXX XXXX XXXX XXXX via XXXX XXXX XXXX  XXXX  ONEMAIN FINANCIAL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
This company has violated my rights as outlined within Section 604 of the Fair Credit Reporting Act. I never authorized this company to pull my information. Please remove this inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sent several letters to Transunion and XXXX  with no response to corrected addresses that do not belong to me on my credit report. 

Transunion is reporting the following incorrect addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX  is reporting the following inaccurate addresses and names : XXXX XXXX XXXX UNIT XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA 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 2021-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
the year was XXXX XXXX was the month, times was hard working part time due to pandemic not making enough money to buy things cash or debit bank card, with a newborn on the way i knew i was going to need and want things for my son, so i walk into XXXX XXXX trying to apply for a credit card to be able to afford few things right away everything came back negative was denied instantly not knowing why i question and luckily the guy that was helping throughout the store told me get a credit check with the 3 credit bureaus to see what you owe or what's going, so i did after weeks of disputing 10 accounts that were open back in XXXX 7 out of 10 creditors drop after investigation two back came saying no you owe us, both creditors told me if you really do not owe these accounts and your not at fault file a police report that will help all of us remove these accounts and we will continue the investigation, so i did attach police reports to my disputes like i've told everyone i ever spoke to about these accounts, the time all these accounts were open i didn't have a dollar to my name never work didn't file taxes had no source of income sadly i've been a victim of identity theft no way someone without a job could get approve for any amount of credit line thanks to these two creditors who don't care about laws suchs as FCRA they have no prove in any way paper on the phone that these accounts belong to me. if you guys can please take a closer look nobody cares now they just hang up once i ask for more of there time the credit beuras suchs as XXXX  and XXXX  all they do is dispute the creditors but don't solve anything just like the creditors they hang up or say a supervisors will call you in the next 24 hours no call, the creditos XXXX  and nordstrom dont give me more info other then its my accounts with zero proof no billing statement that matches my accounts since i didn't own a bank then its a nightmare with no help they are no holding of an telling XXXX  to tell me that these accounts are going to drop in XXXX that's not the point 7 years of bad credit and nobody care

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
This company has violated my rights as outlined within Section 604 of the Fair Credit Reporting Act. I never authorized this company to pull my information. Please remove this inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: TX

Complaint narrative:
I leased a car from XXXX XXXX which was totaled in XX/XX/2020 due to hurricane. The Insurance Company ( XXXX XXXX ) paid off the the pay-off amount that was requested by XXXX XXXX. XXXX kept falsely reporting that my account was still open and that I had a balance of more than XXXX , but it showed no late payments. When I asked XXXX  and XXXX to correct the information so my report would show that account as closed and as paid off as agreed, things took a disastrous turn and they changed to amount to XXXX $ but it also shows that I have been in late payment since XX/XX/2020. My score went down XXXX points in one day because of the WRONG and FALSE adjustment. 

My account should show XXXX balance and should show Paid as agreed, and should NOT show any late payments. And should show that account as closed as well. 

I need this to be corrected so my score bounce back as it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: TX

Complaint narrative:
I leased a car from XXXX XXXX which was totaled in XX/XX/2020 due to hurricane. The Insurance Company ( XXXX XXXX ) paid off the the pay-off amount that was requested by XXXX XXXX. XXXX kept falsely reporting that my account was still open and that I had a balance of more than XXXX , but it showed no late payments. When I asked Experian and XXXX to correct the information so my report would show that account as closed and as paid off as agreed, things took a disastrous turn and they changed to amount to XXXX $ but it also shows that I have been in late payment since XX/XX/2020. My score went down 96 points in one day because of the WRONG and FALSE adjustment. 

My account should show XXXX balance and should show Paid as agreed, and should NOT show any late payments. And should show that account as closed as well. 

I need this to be corrected so my score bounce back as it should be.

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 2021-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: IL

Complaint narrative:
XX/XX/2015 I changed cell phone carries, XXXX XXXX to XXXX XXXX. While in the XXXX store located XXXX XXXX XXXX, XXXX, MO XXXX. It was required for me to pay the FINAL BILL with XXXX XXXX if I wanted to open my new service with XXXX XXXX. This transaction was completed at the store. It was confirmed with me and my husband during the transaction all was well. XXXX received confirmation from XXXX and my new account with XXXX was opened and completed. A year later I started receiving threating mail and calls for me to pay {$1100.00} to XXXX XXXX. After several long wait times and transfers to various customer agents and their managers nothing was resolved. I proved to them the final bill was paid at the store because I could see the deduction from my checking account. 

My goal is to have funds refunded to me for the stress and embarassment to me for this ongoing issue and the hits to my credit report. This is making my score remain under XXXX and it causing me not to be able to move forward financially. Please assist with the refund and/or total restoration of my credit report having this account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: TX

Complaint narrative:
I have been disputing my 3 credit reports trying to get them to remove XXXX XXXX XXXX show I owe XXXX and the account was opened XX/XX/2018 I never had a account with XXXX XXXX XXXX and they can not send me any documents showing so. I have tried with no success. all three bureaus just keep siding with them. 

also I have disputed all three bureaus about XXXX XXXX XXXX -- shows I owe XXXX past due on charge off account. The account was not charged off My report shows XXXX XXXX XXXX XXXX balance closed. You had to have a saving account to get the card the 2 are link together. They sent me a refund. My balance should show XXXX. 


I have uploaded proof of both accounts and errors.

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 2021-07-29 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: TX

Complaint narrative:
I have been disputing my 3 credit reports trying to get them to remove XXXX XXXX XXXX show I owe XXXX and the account was opened XX/XX/2018 I never had a account with XXXX XXXX XXXX and they can not send me any documents showing so. I have tried with no success. all three bureaus just keep siding with them. 

also I have disputed all three bureaus about XXXX XXXX XXXX -- shows I owe XXXX past due on charge off account. The account was not charged off My report shows XXXX XXXX XXXX XXXX balance closed. You had to have a saving account to get the card the 2 are link together. They sent me a refund. My balance should show XXXX. 


I have uploaded proof of both accounts and errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: TX

Complaint narrative:
I have tried disputing XXXX XXXX XXXX  with 2 of the credit bureau and they are not listening to my concerns. XXXX XXXX XXXX will not send me the detail of the charges or the contract or lease. They have also put 2 accounts on my credit report which is unfair and making my credit suffer. XXXX and XXXX how can I have 2 accounts. 

When I contacted XXXX XXXX XXXX XXXX stated I only owed XXXX so how did XXXX XXXX come up with so much. I want these accounts delete.

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 2021-07-29 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29 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: PA

Complaint narrative:
This letter is about the following accounts : XXXX XXXX XXXXXXXX : # XXXX, which you claim, I owe [ {$2400.00} or my account was charged off {$2400.00} ], XXXX XXXX XXXXXXXX : # XXXX, which you claim, I owe [ {$4200.00} or my account was charged off {$4200.00} ]. XXXX : # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ]. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 











Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : 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 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
This company has violated my rights as outlined within Section 604 of the Fair Credit Reporting Act. I never authorized this company to pull my information. Please remove this inquiry 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