vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-20 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: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you in regards to my credit report and the negative items that have been listed on it. After reviewing my report, I have discovered two negative items that I believe are in violation of the Fair Credit Reporting Act ( FCRA ). 

The first negative item is an inquiry made by XXXX XXXX on XX/XX/XXXX, which has reached the statute of limitation. According to the FCRA, outdated and irrelevant information should be removed from my credit report, and I request that you remove this inquiry from my credit report accordingly. 

The second negative item pertains to an account associated with XXXX XXXX XXXXXXXX, under account number XXXX. I have no recollection of ever belonging to this account, and it is impossible for me to update it. As per FCRA, I have the right to dispute any inaccurate or incomplete information on my credit report, and I request that you remove this frivolous account immediately from my credit report. 

I would like to remind you that the FCRA provides consumers with certain rights, including the right to dispute inaccurate information, the right to be notified when negative information is added to their report, and the right to have outdated and irrelevant information removed from their report. I respectfully request that you honor these rights and remove the negative items mentioned above from my credit report. 

Thank you for your attention to this matter, and I look forward to receiving confirmation of the removal of these items from my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: NJ

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you in regards to my credit report and the negative items that have been listed on it. After reviewing my report, I have discovered two negative items that I believe are in violation of the Fair Credit Reporting Act ( FCRA ). 

The first negative item is an inquiry made by XXXX XXXX on XX/XX/XXXX, which has reached the statute of limitation. According to the FCRA, outdated and irrelevant information should be removed from my credit report, and I request that you remove this inquiry from my credit report accordingly. 

The second negative item pertains to an account associated with XXXX XXXX  XXXX, under account number XXXX. I have no recollection of ever belonging to this account, and it is impossible for me to update it. As per FCRA, I have the right to dispute any inaccurate or incomplete information on my credit report, and I request that you remove this frivolous account immediately from my credit report. 

I would like to remind you that the FCRA provides consumers with certain rights, including the right to dispute inaccurate information, the right to be notified when negative information is added to their report, and the right to have outdated and irrelevant information removed from their report. I respectfully request that you honor these rights and remove the negative items mentioned above from my credit report. 

Thank you for your attention to this matter, and I look forward to receiving confirmation of the removal of these items from my credit report. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-03-20 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: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you in regards to my credit report and the negative items that have been listed on it. After reviewing my report, I have discovered two negative items that I believe are in violation of the Fair Credit Reporting Act ( FCRA ). 

The first negative item is an inquiry made by XXXX XXXX on XX/XX/XXXX, which has reached the statute of limitation. According to the FCRA, outdated and irrelevant information should be removed from my credit report, and I request that you remove this inquiry from my credit report accordingly. 

The second negative item pertains to an account associated with XXXX XXXX XXXX, under account number XXXX. I have no recollection of ever belonging to this account, and it is impossible for me to update it. As per FCRA, I have the right to dispute any inaccurate or incomplete information on my credit report, and I request that you remove this frivolous account immediately from my credit report. 

I would like to remind you that the FCRA provides consumers with certain rights, including the right to dispute inaccurate information, the right to be notified when negative information is added to their report, and the right to have outdated and irrelevant information removed from their report. I respectfully request that you honor these rights and remove the negative items mentioned above from my credit report. 

Thank you for your attention to this matter, and I look forward to receiving confirmation of the removal of these items from my credit report. 

Sincerely, 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 2023-03-20 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: AR

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been reported on my credit report. Specifically, I am disputing the following unauthorized inquiries and inaccurate account information : Unauthorized Inquiries : XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXXXXXX XXXX  - Date of inquiry : XX/XX/XXXXXXXX XXXX  - Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX - Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing any of these credit pulls and therefore demand that they be removed from my credit report immediately under the Fair Credit Reporting Act ( FCRA ) Section 609. 

The FCRA requires that credit bureaus and data furnishers must investigate any dispute raised by a consumer within 30 days and report back to the consumer with the results of their investigation. Therefore, I request that you conduct a thorough investigation and remove these unauthorized inquiries from my credit report as soon as possible. 

Inaccurate Account Information : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX - Account Number : XXXX I never had any business relationship with any of the above mentioned companies and there is no way these accounts belong to me. Therefore, I request that you investigate and delete these unknown accounts from my credit report right away under FCRA Section 611.

Under FCRA Section 611, I have the right to request that you conduct a reinvestigation of the inaccurate information on my credit report. Therefore, I urge you to investigate these matters as soon as possible and take the necessary steps to remove these negative items from my credit report, as required by the FCRA. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CMG Financial Services, Inc.
State: ME

Complaint narrative:
1. XX/XX/XXXX : I contacted XXXX XXXX, NMLS # XXXX, of NextMortage, NMLS # XXXX, to obtain a mortgage for a property I would be purchasing in Maine. 
2. XX/XX/XXXX : I received a pre-qualification letter. 
3. XX/XX/XXXX I sign my Intent to Proceed documentation at 5.8750 %. 
4. XX/XX/XXXX : XXXX states Once my rates are out for today, we can get that secured for you with a XXXX lock with ample time to get us through your proposed closing date of XX/XX/XXXX. 
5. XX/XX/XXXX : XXXX request information on loan terms. XXXX fails to reply. 
6. XX/XX/XXXX : XXXX sends interest rates to XXXX for rate lock selection. 
XXXX questions XX/XX/XXXX, rate lock statement. XXXX fails to answer question. 
XXXX select 6.25 % with 0.2 points. ( Above my Intent to Proceed documentation ) XXXX receives a Change in Loan Terms document. 
7. XX/XX/XXXX : My closing attorney XXXX & XXXX question XXXX on why XX/XX/XXXX rate lock did not happen. XXXX states I did not communicate to her after XX/XX/XXXX to lock my rate. This is untrue as I questioned here by email on XX/XX/XXXX. XXXX did not reply. XXXX signs rate lock document. 
8. XX/XX/XXXX : XXXX signs Closing Disclosure document. 
9. XX/XX/XXXX : XXXX AM Closing postponed. 
10. XXXX leaves employment at XXXX sometime before my closing. 
11. XX/XX/XXXX : XXXX AM Closing postponed. 
12. XX/XX/XXXX : My Clear to Close notice is delivered by email from a XXXX XXXX ( NMLS # XXXX ) and XXXX XXXX ( NMLS # XXXX ) who continued the bait and switch rate scam begun by XXXX. 
13. XX/XX/XXXX, XXXX PM Mortgage Closing Takes Place

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There is a FALSE collection amount on my credit few months ago, I have NO idea about this collection amount, NOT belong to me, I NEVER received any letter or notice about any collection amount from any companies. 
I filed a dispute at " XXXX '', they are thankfully immediately toke an action according the documents that I submitted and removed this false amount and solve this issue. 

Equifax they keeping asking me for additional documents, Immediately I provided to them, They dismisses the dispute by saying " WE VERIFIED THAT THIS ITEM BELONGS TO YOU ''!! then they asked me for documents to prove my exact Address, I submitted 4 documents proved my exact address. again the dismiss the dispute WITHOUT any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL

Complaint narrative:
I have called Ace Cash Express they have no record of this payday loan and when I call corporate no one answers and no one can give me any information about this payday loan. Please I need this to be deleted off the state data base because ACe Cash Express is the one that filed to the florida state data base that this payday loan from XX/XX/2006 has been unpaid. This is incorrect please help I have filed a complaint already on the Florida office Finacial I get no response from anyone they cant tell me anything all I know is I need this to be deleted of the Florida state data base ACE Cash Express inc ( Also known as Populous Finacial Group, inc XXXX XXXX XXXX XXXX XXXX XXXX Payday loan XX/XX/2006 Amount {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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:
YES I SENT THE REQUIRE DOCUMENTS TO ALL PARTIES TO HAVE THESE FRAUD ACCOUNT REMOVE FROM MY CONSUMER 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 2023-03-20 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 — Problem with personal statement of dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
who is XXXX who put them on my account and why not to the person, company intended did you send them payment how many i need to know the name of the person the date this action occured need the fax number my scanner is broken

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
who is XXXX  who put them on my account and why not to the person, company intended did you send them payment how many i need to know the name of the person the date this action occured need the fax number my scanner is broken

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 2023-03-20 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: AR

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been reported on my credit report. Specifically, I am disputing the following unauthorized inquiries and inaccurate account information : Unauthorized Inquiries : XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  - Date of inquiry : XX/XX/XXXXXXXX XXXX  - Date of inquiry : XX/XX/XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing any of these credit pulls and therefore demand that they be removed from my credit report immediately under the Fair Credit Reporting Act ( FCRA ) Section 609. 

The FCRA requires that credit bureaus and data furnishers must investigate any dispute raised by a consumer within 30 days and report back to the consumer with the results of their investigation. Therefore, I request that you conduct a thorough investigation and remove these unauthorized inquiries from my credit report as soon as possible. 

Inaccurate Account Information : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX - Account Number : XXXX I never had any business relationship with any of the above mentioned companies and there is no way these accounts belong to me. Therefore, I request that you investigate and delete these unknown accounts from my credit report right away under FCRA Section 611.

Under FCRA Section 611, I have the right to request that you conduct a reinvestigation of the inaccurate information on my credit report. Therefore, I urge you to investigate these matters as soon as possible and take the necessary steps to remove these negative items from my credit report, as required by the FCRA. 

Thank you for your attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-03-20 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: AR

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been reported on my credit report. Specifically, I am disputing the following unauthorized inquiries and inaccurate account information : Unauthorized Inquiries XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX  - Date of inquiry : XX/XX/XXXXXXXX XXXX - Date of inquiry : XX/XX/XXXXXXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX - Date of inquiry : XX/XX/XXXXXXXX XXXX - Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing any of these credit pulls and therefore demand that they be removed from my credit report immediately under the Fair Credit Reporting Act ( FCRA ) Section 609. 

The FCRA requires that credit bureaus and data furnishers must investigate any dispute raised by a consumer within 30 days and report back to the consumer with the results of their investigation. Therefore, I request that you conduct a thorough investigation and remove these unauthorized inquiries from my credit report as soon as possible. 

Inaccurate Account Information : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX - Account Number : XXXX I never had any business relationship with any of the above mentioned companies and there is no way these accounts belong to me. Therefore, I request that you investigate and delete these unknown accounts from my credit report right away under FCRA Section 611. 

Under FCRA Section 611, I have the right to request that you conduct a reinvestigation of the inaccurate information on my credit report. Therefore, I urge you to investigate these matters as soon as possible and take the necessary steps to remove these negative items from my credit report, as required by the FCRA. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello, The credit card company charged us {$30.00} late fee on XX/XX/2022. For many years now, we use our local bank - XXXX - to pay every bill via on-line Bill Pay feature. As always, per our directions, XXXX made the full payment on the due date of XX/XX/2022. However, the credit card company recorded the payment on the next day - XX/XX/2022. Because of that, we were charged late fee. After talking to three different representatives of Capital One, they refuse to reimburse {$30.00} fee. They said that their bank was switched and it is too late at this point. I don't agree I should be penalized for either of them switching the banks ( from XXXX MasterCard to Capital One ) or them processing my full and timely payment a day later. Both of those things are out of my control. I am asking for help to refund the wrongfully charged {$30.00} late fee. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: SC

Complaint narrative:
Upon checking my credit report I noticed accounts I do not recognize

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 2023-03-20 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: SC

Complaint narrative:
Upon checking my credit report I noticed accounts I do not recognize

Company response to consumer: Closed with explanation