vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-08 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: PA

Complaint narrative:
In XX/XX/2015 there were 2 XXXX XXXX credit cards opened fraudulently in my name. I alerted XXXX XXXX and they removed one of the credit cards for fraud, however they left the other credit card account with a balance of XXXX dollars on my credit report. I have disputed nonstop, weekly and monthly, I have filed XXXX complaints, filed FTC reports and XXXX XXXXXXXX refuses to do the right thing and delete this account stating it is linking me to this account by the address XXXXXXXX XXXX XXXX XXXX  XXXX PA XXXX- I find this interesting as I called each of the XXXX credit bureaus and they all told me I am NOT associated with the address XXXX XXXX XXXX XXXXXXXX and that it has been deleted from all of my files for fraud. I will be attaching the letter XXXX XXXX wrote stating the account is being linked to me by that address so that you can see they are reporting wrongful and inaccurate information to my credit file. This will be the last time I try to resolve this with XXXX XXXX before I file a lawsuit as this account is causing me issues with financing and living my life because of this being on my credit.

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

Complaint narrative:
In XX/XX/2015 there were 2 XXXX XXXX credit cards opened fraudulently in my name. I alerted XXXX XXXX and they removed one of the credit cards for fraud, however they left the other credit card account with a balance of XXXX dollars on my credit report. I have disputed nonstop, weekly and monthly, I have filed XXXX complaints, filed FTC reports and XXXX XXXXXXXX refuses to do the right thing and delete this account stating it is linking me to this account by the address XXXXXXXX XXXX XXXXXXXX XXXX XXXX PA XXXX- I find this interesting as I called each of the 3 credit bureaus and they all told me I am NOT associated with the address XXXXXXXX XXXX XXXXXXXX XXXX and that it has been deleted from all of my files for fraud. I will be attaching the letter XXXX XXXX wrote stating the account is being linked to me by that address so that you can see they are reporting wrongful and inaccurate information to my credit file. This will be the last time I try to resolve this with XXXX XXXX before I file a lawsuit as this account is causing me issues with financing and living my life because of this being on my credit.

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 2022-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dates : XX/XX/2016 amounts : XXXX I reached out to lender that's still reporting information from 7 years ago. I tried reaching out to have account removed from credit file. There's also inquires showing on my credit file that needs to be remove.

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 2022-08-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Dates : XX/XX/2016 amounts : XXXX I reached out to lender that's still reporting information from 7 years ago. I tried reaching out to have account removed from credit file. There's also inquires showing on my credit file that needs to be remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Good day, I secured a personal loan with BBVA bank in XXXX at a local XXXX, Texas branch, I used the funds to start a small buisness. 83 % of the loan was paid off in XXXX. During COVID my business suffered and sales declined. I became ill with COVID preventing me from working at my business therefore, I was unable to make payments on my loan. 

I received a letter from PNC stating they had bought out BBVA and would be handling me account. I called PNC on several occasions, explained my situation and asked for assistance to have my payments delayed or postponed as suggested in collection letters sent via mail by PNC. 

My requests were denied by PNC, I expressed my frustration and stated I would make payments when funds were avaliable and asked for help in not having me credit score affected, due to no assistance by PNC my loan defaulted with less than a {$5000.00} balance. PNC reported me to collections which significantly lowered my credit score from a XXXX plus to a XXXX. The reporting has negatively impacted my borrowing power and first time home buying opportunities. On XX/XX/XXXX I paid off the remaining balance on my loan to PNC. I was given a letter by the branch manage stating my account was paid and closed. I would like PNC to take action and report this pay off as soon as possible to all credit reporting agencies in hopes of quickly increasing my credit score. I would also like to file a complaint due to lack of loan payment deferral during a pandemic. 
Regards, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
I requested a Pre-Approval from Mr. Cooper. I am in the early stages of looking for a home and wanted a generic approval to know what i could start to look for. This should have been a soft pull according to their site and what is done with any Pre-approval done by other companies. Mr. Cooper did not do a soft pull they did a hard pull and are refusing to take that off my credit report. I did not agree to a hard pull, I agreed to a soft pull. the attachment shows i have tried to get this fixed and have gotten no where. I have even had calls where they have refused to acknowledge wrong doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
CFPB and Experian, This is a *new* claim with *new* updated information - attached to this *new* complaint are a letter from me, copy of my drivers license, proof of social security number, mailing address, letter from XXXX XXXX to remove my late pays, and todays full credit report showing the late pays from XXXX XXXX as well as a creditor I am challenging as mine. Please have this handled immediately as this is damaging my credit and I am buying a home.

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 2022-08-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
I got quotes from 2 mortgage companies. I went with XXXX XXXX XXXX Sent cancellation to Rocket Mortgage and called this morning [ XX/XX/22 ]. The agent kept bulling me trying to get me to mortgage with them. I checked my credit card on XXXX and they put a XXXX dollar charge on it. Called to get credit back and their refusing to refund all my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-08 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 have inquired on my credit that could have been avoid due to Equifax computer coding error my credit information has been compromised. I made several attempts by mailing letters to these companies and all three credit bureaus informing them that they were reporting inaccurate information on my credit report and to please remove the inquires. I have attached to send letters to Equifax, XXXX, and XXXX to resolve this matter.

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

Complaint narrative:
XX/XX/2022 Received alert of new student loan on Equifax credit report. This not a new loanm My student loans have been consolidated, so XXXX XXXX {$13000.00} XXXX XXXX {$33000.00} XXXX XXXX {$45000.00} should be listed as PAID in FULL with XXXX BALANCE. Spoke to Equifax and it has not been resolved. Spoke to Student Loans-US Department of Education spoke to XXXXXXXX XXXX XXXX XXXX who also confirmed. 

Current LoaXXXX XXXX XXXX xxxxxxxxxxxx XXXX {$48.00}, XXXX is the Student Loan XXXXXXXX Balance, Paid in Full xxxxxxxxxxxx XXXX {$13000.00} XXXX Balance, Paid in Full xxxxxxxxxxxx XXXX {$33000.00} XXXX Balance, Paid in Full xxxxxxxxxxxx XXXX {$45000.00} XXXX Balance, Paid in Full

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Arias Bosinger
State: FL

Complaint narrative:
I wasnt aware that I have 2 accounts for my HOA I did pay one account this year and I ask the agent if I owe any money she said I dont few months later I received a letter I owe a amount for different account. I ask her for the payoff amount. And is way too much for attorney charger and fees last time the amount was more than this one and I payed less amount. I need help please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Recovery Systems, Ltd
State: FL

Complaint narrative:
I disputed this debt to the credit bureaus back in XX/XX/2022 stating it is reporting inaccurate information. This account was removed from my credit report in XX/XX/2022 due to being inaccurately reported, but this month it was re-imported back which dropped my credit over 58 pts down. I am trying to get a clean healthy credit report but these creditors reporting wrong information is hurting me. I would like this account to be removed from my credit report. 

The account is called : XXXX XXXX Account Number is XXXX Amount : {$1400.00}

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

Complaint narrative:
I have informed Experian, multiple times, that an item on my credit report from XXXX XXXX XXXX XXXX  is fraudulent. The latest report number is XXXX ( XXXX XXXXXXXX XXXX XXXX  account number XXXX ) and the item in question is for {$340.00}. Both Experian and XXXX XXXXXXXX XXXX XXXX  have been notified, in writing, with a letter provided by the Federal Trade Commission ( IdentityTheft.gov ) that the {$340.00} account is a result of XXXX XXXX XXXX XXXX fraudulently obtaining my personal information. Experian claims to " verify '' the debt, but all they do is ask somebody else if the information is correct and the other person says, " Yep, it's correct '' and then they close the dispute. We've already established that somebody else has my personal information. Yes, XXXX XXXX XXXX XXXX have my personal information. Repeatedly asking them if they have my personal information isn't verifying anything other than they have my personal information. I have requested, in writing numerous times, that Experian and XXXX XXXXXXXX XXXX XXXX  provide actual proof in the form of a signed and dated contract for the {$340.00}. They have yet to provide this evidence. They have specifically been requested to send me copies of " Signatures on application and accounts '' through the official letter provided through the Federal Trade Commission. They have yet to do so. 

Also, Experian keeps requesting that I call them even though I have told them, numerous times, that I do not speak on the phone and that I'm available through text, email, or US mail. They have now blocked my access to information with a statement that I must call them. I have informed them that I have a XXXX that precludes me from speaking on the phone, but they keep insisting that I speak on the phone. Unacceptable!

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 2022-08-08 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: FL

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I applied for a HELOC through Navy Federal through their online application. I selected options from a drop down and filled out like I was asked. I was then charged {$5.00} for a credit check and they ran a hard credit check. I then received a denial letter because they didn't offer the product that I applied for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: EQUIFAX, INC.
State: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act Equifax has violated my rights. 15 U.S.C. 1681 A number 3. States Equifax assumed this role without my permissions, not only that but also did not have my consent. Equifax did not respect my right to privacy which is under 15 U.S.C. 1681 A number 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The Pennsylvania Attorney Generals Office advised me to contact you to file this complaint.

I am trying to help my son with a credit score issue. He was recently denied a vehicle loan and a mortgage because after having loans since XXXX and having a credit score in the XXXX, the three big credit scoring agencies are listing him as unscoreable. After weeks of trying to get through to a live person at XXXX, he was told he is listed as unscoreable since he hasn't had an active loan ( or credit card- which he has never had and refuses to get ). We both know multiple people with no active loans or credit cards who still have a credit score. He was told he needs to open a credit card or take out a loan. The problem is, he can't get a loan without a credit score and he can't get a credit score without a loan. Can you please tell us how we can get this matter resolved? We are at a loss at how to proceed. It doesn't seem fair that all of a sudden, after all his previous loans are shown on his credit reports and " paid on time, no issues, closed '', in XXXX of XXXX his credit score was XXXX and in XXXX of XXXX it was XXXX and now, he is unscoreable. If these loans stay on his credit report for years, why is he listed as unscoreable? All these credit reporting agencies need to do is look at his report. To not have any score at all, out of the clear blue sky and without any warning at all is causing him nothing but problems. 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 2022-08-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
The Pennsylvania Attorney Generals Office advised me to contact you to file this complaint.

I am trying to help my son with a credit score issue. He was recently denied a vehicle loan and a mortgage because after having loans since XXXX and having a credit score in the XXXX, the three big credit scoring agencies are listing him as unscoreable. After weeks of trying to get through to a live person at XXXX, he was told he is listed as unscoreable since he hasn't had an active loan ( or credit card- which he has never had and refuses to get ). We both know multiple people with no active loans or credit cards who still have a credit score. He was told he needs to open a credit card or take out a loan. The problem is, he can't get a loan without a credit score and he can't get a credit score without a loan. Can you please tell us how we can get this matter resolved? We are at a loss at how to proceed. It doesn't seem fair that all of a sudden, after all his previous loans are shown on his credit reports and " paid on time, no issues, closed '', in XXXX of XXXX his credit score was XXXX and in XXXX of XXXX it was XXXX and now, he is unscoreable. If these loans stay on his credit report for years, why is he listed as unscoreable? All these credit reporting agencies need to do is look at his report. To not have any score at all, out of the clear blue sky and without any warning at all is causing him nothing but problems. Please help!

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

Complaint narrative:
I am not responsible for this debt, nor do I have an agreement with you. In addition, you are not authorized to collect in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my 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 non-monetary relief
Consumer complaint received 2022-08-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my 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 non-monetary relief
Consumer complaint received 2022-08-08 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: PA

Complaint narrative:
I am not responsible for this debt, nor do I have an agreement with you. In addition, you are not authorized to collect in my state.

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 2022-08-08 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: PA

Complaint narrative:
I am not responsible for this debt, nor do I have an agreement with you. In addition, you are not authorized to collect in my state.

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