vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-18 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: LEXISNEXIS
State: WI

Complaint narrative:
lexisnexis won't let me get my credit report the code they sent me in the mail to access it online does not work and shows a error screen and i can't get my report it does not work

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: AZ

Complaint narrative:
I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.

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 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I sent a letter out on XX/XX/XXXX to Experian, XXXX, and XXXX. However its 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. Code $ 1681i - Procedure in case of disputed accuracy. If the completeness or 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 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 2022-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
account. 
I sent a letter out on July 1st to XXXX, transunion, and XXXXHowever its 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. Code $ 1681i - Procedure in case of disputed accuracy. If the completeness or 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 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 2022-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CreditNinja Lending, LLC
State: TX

Complaint narrative:
Last year in 2021, I received a call from CREDIT NINJA saying I owed over {$2000.00} to them for a loan taken out. I had never heard of this company at the time and the address and email they had for me were from about 8 years ago and we came to the conclusion someone stole my identity and took out the loan. Credit Ninja had me go through a process that took me months getting a police report, and filing out affidavits to get this taken care of because I never got this loan out. I did EVERYTHING they asked of me and then a month or two ago in 2022 that same exact loan shows up on my credit report. I immediately called Credit Ninja when I got the notification and asked them for it to be removed since I already went through the process with them of proving I got my identity stolen. The lady then confirmed what I had said to her on the phone and said they had all the police report and everything on file and all I would need to do is dispute it on my end and they would take it off. BUT I disputed it and they never took it off in fact they said the debt is valid even though they have proof from over a year ago my identity got stolen and I never got this loan.

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 2022-08-19 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: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
MUFG Union Bank NA is reporting my mother 's credit information on her XXXX  XXXX account with XXXXXXXX XXXX  when I am only an " authorized user ''!!!. so far I know of it being reported to XXXX only... but I have not checked with the other credit reporting agencies. 

today ( XX/XX/2022 ) i called XXXXXXXX XXXX and the cust svc agent stated that the credit card account disclosures states that " authorized user '' will also be reported to credit agencies. strangely, I asked the agent to mail or email me the " disclosures '' which he said could not be done. why not sounds suspicious to me!! 

so I went to the bank branch in XXXX XXXX XXXX XXXX and got a copy of the " disclosures ''. in the disclosures it does NOT state authorized users would be reported to credit agencies! 

I am going to follow up with this complaint filing with a call and letter to MUF Union bank N.A. to immediately decease from reporting my mother 's MUF Union Bank visa account on 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 2022-08-19 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: AZ

Complaint narrative:
I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.

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 2022-08-19 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: AZ

Complaint narrative:
I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Recieved an email that a checking and savings account was opened. I had a similar issue happen a few months before and had my credit frozen and fraud alert. An account was still opened

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 2022-08-19 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: TX

Complaint narrative:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my credit report. 
XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my credit report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance-616 Civil liability for willful noncompliance [ 15 USC 1681n ] Also, some of the above accounts are 4 years old or older..

Texas and Federal Law *Section 16.004 of Texas Civil Practice and Remedies Code. 
THE STATUE OF LIMITATION ON A DEBT IN TEXAS IS FOUR YEARS *Section 392.307 of Texas Finance Code THIS SECTION OF THE LAW INTRODUCED IN XX/XX/XXXX, STATES THAT A PAYMENT ON THE DEBT ( OR ANY OTHER ACTIVITY ) DOES NOT RESTART THE CLOCK ON THE STATUE OF LIMITATIONS.

THE ACCOUNTS 4 YEARS OR OLDER MUST BE DELETED IMMEDIATELY.

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 2022-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
Lanier Collection has infringed upon my right to privacy. Lanier Collection has not received written permission to disclose ANY of my medical information or any other information personal or public about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
After a Dispute with trans Union they applied an extended fraud alert without my consent and listed my phone number incorrectly. The last for of my phone number was listed incorrect my number is ( XXXX ) XXXX transUnion had my number as ( XXXX ) XXXX. Causing massive issues. I applied for an account with XXXX credit card and received a letter listed below with reference number XXXX, that stated they were unable to verify me, and gave me a number to call. I called XXXXXXXX XXXX XXXX XXXX  at XXXX and spoke with XXXX an account manager for XXXX XXXX XXXX XXXX, and I explained the situation and let her know I had transUnion correct their mistake and asked her for a reconsideration. XXXX told me that she could not offer me a reconsideration and that I would have to apply all over again receiving another inquiry.

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 2022-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rozlin Financial Group, Inc.
State: NC

Complaint narrative:
XXXX XXXX I was contacted by RFGI Collections stating that i owed XXXX dollars for rent when I lived with XXXXXXXX XXXX XXXX in XXXX Florida for the month of XX/XX/XXXX. I sent them bank statements XXXX  XXXX showing that I paid my rent on time and for the full amount. 

I called to follow up with them XX/XX/XXXX to see if that was sufficient enough and they said it doesnt matter you still owe the money even though I had paid my rent in full for a year on time and in full that i still owe this money.

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 2022-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
On XX/XX/2022, I mailed a check in the amount of {$280.00} to Credit Control Corporation in XXXX XXXX XXXX to absolve an outstanding medical bill on my credit report. This check then cleared my checking account on XX/XX/2022. 

I waited an entire cycle before disputing the delinquency on my XXXX  and XXXX credit reports. When I disputed the claim I provided the endorsed check from my bank that clearly shows the bank of the check was endorsed by Credit Control Corporation : Pay to the order of town bank R and B CCorporation of VA. ( then it list their account number, which I'll be more than happy to provide ) XXXX and XXXX refuse to remove the delinquency stating that the claim is verified as of XX/XX/2022. 

On, XX/XX/2022, I called Credit Control Corporation, and I recorded the entire phone call. Not only did the lady state she received my payment, she also stated they don't file medical claims on credit reports. Why lie? All I want is it removed! I paid it, stop lying, and remove it. I have the entire conversation recorded. You can do that in XXXX 

They need to be stopped. They should not be able to take your money then lie! That is disgraceful!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: LA

Complaint narrative:
I, XXXX XXXX, have a mortgage with US Bank Home Mortgage loan # XXXX. As long as this agency is involved they pretend to do what is right as soon as you all close the case they are back to their old antics. They have been sitting on {$34000.00} in a restricted escrow account and never told me my interest. Every time I ask for my pay off they come with lies. I sent them {$3000.00} on XX/XX/XXXX from my XXXX XXXX  account. Then I was prepared to send them {$950.00} tomorrow XX/XX/XXXX, they sent me a letter on XX/XX/XXXX and a different letter today XXXX stating something different. I want the American consumers to see how lowdown and dirty US Bank Home Mortgage really are.

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 2022-08-19 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: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX without 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 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 three 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 year old daughter PLEASE HELP ME PLEASE.

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 2022-08-19 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: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX without 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 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 21 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  year old daughter PLEASE HELP ME PLEASE.

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 2022-08-19 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: SC

Complaint narrative:
I'm filing a complaint to remove unauthorized credit inquiries on my credit report. 
I did not give anyone permission to examine, access, or utilize my credit report for any purpose, and I have not asked for credit in almost two years. I have contacted the Big 3 and asked to remove the unauthorized inquiries, but until now, there have been no responses from their office.

I have also contacted the creditors in question, and they have no proof of each initiated inquiry. I request that TransUnion, XXXX, and XXXX delete these inquiries from my credit report because they are untested, non-compliant, and unverified. After all, there is no evidence or proof of my authorization of a legal purpose, whether written or verbal, to access my credit report for any reason. 

See attachments included for all the items that are listed per Bureau.

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 2022-08-19 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: SC

Complaint narrative:
I'm filing a complaint to remove unauthorized credit inquiries on my credit report. 
I did not give anyone permission to examine, access, or utilize my credit report for any purpose, and I have not asked for credit in almost two years. I have contacted the Big 3 and asked to remove the unauthorized inquiries, but until now, there have been no responses from their office. 

I have also contacted the creditors in question, and they have no proof of each initiated inquiry. I request that XXXX, Experian, and XXXX delete these inquiries from my credit report because they are untested, non-compliant, and unverified. After all, there is no evidence or proof of my authorization of a legal purpose, whether written or verbal, to access my credit report for any reason. 

See attachments included for all the items that are listed per Bureau.

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