vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-05 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:
I've contacted this company three times with a request to remove inaccurate and unverifiable accounts from my credit report. A notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. They are in violation of this law. 

The following accounts remain unverified, even after multiple attempts to receive validation from them. I request that these accounts be immediately removed from my credit report with all credit bureaus that they report to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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:
I've contacted this company three times with a request to remove inaccurate and unverifiable accounts from my credit report. A notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. They are in violation of this law. 

The following accounts remain unverified, even after multiple attempts to receive validation from them. I request that these accounts be immediately removed from my credit report with all credit bureaus that they report to.

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 2021-06-05 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: Informative Research
State: GA

Complaint narrative:
On XX/XX/2021 an hard inquiry was shown on my credit report I have not given anyone permission to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: CA

Complaint narrative:
There are two loans on my credit report that are not mine I have been disputing these for some time now and nothing is happening no one is helping me!!! 

XXXX - Acct # XXXX Amt {$2800.00} Opened XX/XX/2002 XXXX  - Acct # XXXX Amt {$2200.00} Opened XX/XX/2002 2002

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 2021-06-05 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: CA

Complaint narrative:
There are two loans on my credit report that are not mine I have been disputing these for some time now and nothing is happening no one is helping me!!! 

XXXX - Acct # XXXX Amt {$2800.00} Opened XX/XX/2002 XXXX  - Acct # XXXX Amt {$2200.00} Opened XX/XX/2002 2002

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 2021-06-05 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: TN

Complaint narrative:
As the original creditor I am the only one who can validate these accounts. I do not, I am not liable for the charges listed in the my letters. I am requesting you to sent any document associated with the listed items and send it to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2021 I sent a letter regarding my rights that were violated on behalf of the consumer reporting agencies and it has been 60 days later and I have still not received a response. This is really disheartening and Im starting to feel like Im being taken advantage of and my disputes are being ignored. The law specifically states in Section 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately be removed from my credit report and its been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the embarrassment of my reputation and the stress this has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: FL

Complaint narrative:
I explained to the representative that these inquiries did not belong to me. I explained that I did not ask or sign any document requesting anything from these different companies & I did not get anything from them or set up any accounts. Please delete the inquiries that are included on the identity theft that I have attached. This is very important & should 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 2021-06-05 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:
I've contacted this company a request to remove inaccurate and unverifiable accounts from my credit report. Once again, a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This company is in violation of this law. 

The following accounts remain unverified, even after multiple attempts to receive validation from them. I request that these accounts be immediately removed from my credit report with all credit bureaus that they report to.

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 2021-06-05 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:
I've contacted this company a request to remove inaccurate and unverifiable accounts from my credit report. Once again, a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This company is in violation of this law. 

The following accounts remain unverified, even after multiple attempts to receive validation from them. I request that these accounts be immediately removed from my credit report with all credit bureaus that they report to.

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 2021-06-05 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 1995 ), 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 2021-06-05 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: MO

Complaint narrative:
Recently I obtained a copy of my credit reports and notices that inaccurate information is on it. I have called and called to address inquiries on all 3 of my reports. I was even hung up on several times. I have tried 3 times a week for the last past months. It's even gotten to the part where I ask for management, and they put me on hold I get hung up on. I would never try this hard if the information was accurate.

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 2021-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
This company has sent me a debt over and over and over again I count five times in the last six months I have told him repeatedly at least three times not to contact me again and this is not my debt and that I dispute it Today they sent me another letter Im not gon na do this every other month with them for the rest of my life they are violating their business license

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NOVAD Management Consulting, LLC
State: VA

Complaint narrative:
I paid {$9300.00} to Novad on behalf of HUD with cashier check. According to my bank, the check was cashed on XX/XX/2021 but I didnt get proof of payment or release on my house title. I called several times to Novad and emailed to HUD but no response. Novad has been saying someone specialist will call you in 4 business days but no one called me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: PA

Complaint narrative:
I Sent an Affidavit of truth along with a cease and desist to Credit Control , LLC on XX/XX/2021 they failed to provide the information that was requested and they continue to contact me through the mail. Which is a violation of 15 USC 1692 c. This continued harassment is a strain on my health due to the stress.

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 2021-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Made an account with Citibank a week ago. Deposited 4 checks from XXXX for dividend payment which were confirmed to be legitimate by XXXX  themselves. Citibank will not even attempt to verify and simply closed my account and say my funds with be held for 30-60 days.

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 2021-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Army and Air Force Exchange Service
State: NC

Complaint narrative:
Someone placed a phone call to me. I told them that this was not my debt and i didnt understand where information was coming from. I was told that legal action would be starting and then hung up on. They also made a phone call to 5 of my family members within a hr of hanging up on me. I was given no information other then my name and I very old address to which i had grow up on more than 20 yrs ago.

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 2021-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Byrider Franchising, LLC
State: NE

Complaint narrative:
In XXXX I opened an account with CNAC also know as JD-Byrider. Now in XXXX the car was totaled and paid off by insurance and if there were any extra costs that were not paid by the claim then the protection plan I paid extra ( for not having full coverage ) to JD-Byrider would have covered the remaining total of the loan I have attached two photos showing the beginning and endling balance of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have sent 5 letters to experian and XXXX  regarding my credit report the inquiary that are on them and also the the fraud alert i ask XXXX, experian to take the alert from my credit report and the alert is still showing on my report and i go threw way to much to talk to and customer service rep please help

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 2021-06-05 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: Rocket Mortgage, LLC
State: NC

Complaint narrative:
I hope all is well.. 

I just look at my credit report. Someone is pretending to be me. I keep being a victim of fraud and identity theft. Im not for sure whats going on. I keep getting scam calls and I believe thats what happen. This has happen in the past can you please remove the inquiries. Thank you for your time have a wonderful day!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
I have never been late on this account I would like to see financial accounts showing I was I reached out to the credit bureau for a solution and got no reply. the day was XX/XX/2021. the company doesn't report monthly as agreed in loan contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Netspend Corporation
State: TX

Complaint narrative:
i didnt know that this account existed. I did not open it. i Call the company FLAREACCOUNT  BY XXXX XXXX  and they closed it today i found it in my email today. XX/XX/21

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 2021-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
Dear CFPB, I entered into a forbearance with XXXX  ( Lakeview Loan Servicing ) on XX/XX/2021 for a 2 month forbearance! The only reason I entered into forbearance was because I forgot to file for homestead on my residence so my monthly payment went up {$600.00} a month. I called XXXX and advised them that I filled for homestead for this year so that my escrow amount will be drastically less with the homestead exemption and the save our homes cap in Florida. I was curious if I could do a modification or something to lower my payment as the {$600.00} difference made expenses extremely tight! 

XXXX advised that they only do modifications or any kind of assistance for borrowers only if they are in default! This seems like a horrible lending/servicing practice! Seems as though their main drive is for profits and forced foreclosure. 

So forbearance ended and I called into XXXX and they said it would be 30-45 days to find out if I could get a modification. They didnt offer any other kind of option for repayment, deferral, etc. So I kept calling to inquire as to what the solution was and they said they would let me know. There was never a call or email at all from them! 

In late XXXX I received a letter stating that Yes a hardship, but basically we dont care and the entire forbearance amount was owed or foreclosure would commence. They are entirely going against the CaresAct and in every blog, forum it is all the same with XXXX as they are doing this to everyone as to try to foreclose. 

Prior to COVID I was even paying a bit extra each month and I have been asking for leadership to call me to no avail! So basically with no prior notice, warning, information or discussion they expected {$4100.00} for the forbearance amount due on the XXXX of XXXX and $ XXXX for XXXX Payment. 

Plus as a side note when my mortgage was originated in my XXXX dashboard my home value was $ XXXX, but now its $ XXXX which sounds like incentive to basically force borrowers into foreclosure. 

Here are only a few examples of their practices as people are defenseless against these deceptive practices and I would imagine that forcing the entire forbearance amount to be paid is illegal according to the CaresAct?? 

Thanks 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 2021-06-05 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: LA

Complaint narrative:
I pulled NY credit report and noticed several inquiries from XX/XX/2019 and several from XXXX and I reported to Equifax that it was fraudulent activity and I did not make them accusations I called at least 5 times already and on one have tried to help resolve my issue and one hung the phone up in my face while I was still talking trying to explain my situation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: MD

Complaint narrative:
I discovered I was a Victim of Identity Theft in XX/XX/2014, I filed an Identity Theft Police Report and Affidavit of Fraud. I've contacted the Credit Bureaus multiple times over the past 7 years and notified them that multiple accounts were opened in my name without my knowledge and/or consent. Discover Financial is reporting a fraudulent account on my XXXX  and XXXX XXXX Credit Reports, I notified Discover Financial and advised them I had no knowledge of this account and I believe it was a direct result from Identity Theft. XXXX removed the Discover Financial Account from my XXXX  Report, however XXXX  & XXXX XXXX have continue to report this account as a charge off on my credit reports ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-05 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: MO

Complaint narrative:
Recently I obtained a copy of my credit reports and notices that inaccurate information is on it. I have called and called to address inquiries on all 3 of my reports. I was even hung up on several times. I have tried 3 times a week for the last past months. It's even gotten to the part where I ask for management, and they put me on hold I get hung up on. I would never try this hard if the information was accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: MO

Complaint narrative:
Recently I obtained a copy of my credit reports and notices that inaccurate information is on it. I have called and called to address inquiries on all 3 of my reports. I was even hung up on several times. I have tried 3 times a week for the last past months. It's even gotten to the part where I ask for management, and they put me on hold I get hung up on. I would never try this hard if the information was accurate.

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