vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NVR INC.
State: OH

Complaint narrative:
I am currently building a new house and had authorized my builder and their lending company to perform a hard credit pull back in XXXX ( XX/XX/2021 ) which they did. The problem I have now is they have done another hard pull on XX/XX/2021 without my consent and without informing me. I want this to be taken back and delete the hard inquiries from XX/XX/2021 from my accounts. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: MRS BPO, LLC
State: FL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17 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: NJ

Complaint narrative:
I've called every credit company and even sent in mail, and my addresses don't match up and the chargers don't match up, as well as I've seen hard and inquires hit 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 explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XX/XX/2021 I filed a fraud disput with school first because I was cheated by the XXXX XXXX XXXXy who charged me for the service repair tgey never provided After all this time on XX/XX/2021 I received a letter that Schoolsfirst wants a proof of I paid a fee for the service which its {$150.00} XXXX email and the fax number doesnt work and they arent helping at all after all this time not only they failed to resolve now tgey caused me extra head ache This past Sunday I fell and broke my knee and my husband is out of country I am by my self and cant drive School first thinks I made all this up and disregard my saying that email they gave me wont go So without resolving my issue after 6 month they took XXXX {$150.00} out of my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Hello, I requested a few accounts to be removed since they were inaccurate, they just ignored my previous request and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish.I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have asked Portfolio Recovery Collection Agency to not contact me by phone but only in writing to the address they have on file since XX/XX/2021. They have continued to call me and even argue with me instead of simply contacting me by mail only. I have a screenshots of just a few calls but almost daily I have been receiving phone calls from this company instead of them contacting me by mail as I have requested. They have even started calling old friends and some family members in attempts to contact me. Here is a log of the phone calls I remembered to keep record of. 
Wednesday XX/XX/2021 they called me at XXXX from XXXX Tuesday XX/XX/2021 they called me at XXXX from XXXX Sunday XX/XX/2021 they called me at XXXX from XXXX XX/XX/2021 they called me at XXXX from XXXX XX/XX/2021 they called me at XXXX from XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17 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: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Firstly do not add a fraud alert on any of my reports! i am in the process of closing on a house and I saw these unknown loans, I have never seen these accounts. I have informed all bureaus of the violation of listing false accounts and they have not removed them. I asked for proof and nothing has been done. As a consumer I have no obligation to pay back this alleged debt and I want these account removed. The late payments are very damning and I am exhausted with this situation. on all three reports the information is reporting different dates, i asked the company for proof and nothing. when i call the bureaus they say the company says its accurate but the company can't provide me proof so what pro does the bureaus have to back up that the information is correct? this has harmed me and i am loosing sleep I have even had to see a doctor. when I called the CFPB they said all the bureaus has blocked my complaints. I have sent my passport a bill my social card and my license what more do they want a blood sample to prove it is me submitting for the removal? I will sue if they choose to ignore me XXXX more time! this is outrageous and i am sick and tried.

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 2021-11-17 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: PA

Complaint narrative:
Firstly do not add a fraud alert on any of my reports! i am in the process of closing on a house and I saw these unknown loans, I have never seen these accounts. I have informed all bureaus of the violation of listing false accounts and they have not removed them. I asked for proof and nothing has been done. As a consumer I have no obligation to pay back this alleged debt and I want these account removed. The late payments are very damning and I am exhausted with this situation. on all three reports the information is reporting different dates, i asked the company for proof and nothing. when i call the bureaus they say the company says its accurate but the company can't provide me proof so what pro does the bureaus have to back up that the information is correct? this has harmed me and i am loosing sleep I have even had to see a doctor. when I called the CFPB they said all the bureaus has blocked my complaints. I have sent my passport a bill my social card and my license what more do they want a blood sample to prove it is me submitting for the removal? I will sue if they choose to ignore me XXXX more time! this is outrageous and i am sick and tried.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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:
I received a postcard from XXXX thanking me for applying for a checking account on XX/XX/XXXX. The applicaton number is XXXX. I didn't apply for this checking account. Also on XX/XX/XXXX a visa credit card application XXXX was applied for. I didn't apply for this credit card. Bothe the checking account and credit card applications were denied by XXXX XXXX. My social security number and personal information were used fraudulently. I want the hard inquiry to be removed from all 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 2021-11-17 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:
These are not my accounts and i did not open them please help me fix them,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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:
These are not my accounts and i did not open them please help me fix them,

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 2021-11-17 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: LEXISNEXIS
State: CA

Complaint narrative:
XX/XX/21 I sent a letter to lexis nexis certified mail # XXXX regarding verification and deletion of bankruptcy and inaccurate info. Lexis Nexis has reported a bankruptcy to a third party company ( consumer agency ) without my consent and is in violation of my privacy. Attached in the letter to this complaint I requested answers to a few questions and never received any response. Its been more than 30 days .... -Proof that you did not violate 15 usc 1681 ( a ) ( e ) -That this bankruptcy is verified, and since the courts did not verify, congress states that you would have to conduct an investigation with neighbors, friends or associates which I know was not done neither. -That you had consent/persmission from me to report such information with signature or written instruction 15 usc 168b ( a ) ( 2 ) -That you did not infringe upon my consumer right to privacy which is a form of identity theft 15 usc 1681 ( a ) ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
A law firm called XXXX XXXX XXXX filed a lawsuit in a XXXX XXXX XXXX in Florida for an alleged debt I owe to American Express in the amount of {$43000.00}. 
They mailed me over 400 pages of charges made by someone on a credit card obtained in XXXX by a person who has part of the name similar to mine. 
I have contacted the law firm and American Express several times and they have not been able to resolve that I am the wrong person. I have authorized them to review my credit report, I have offered all the information they ask for, I am willing to do whatever it takes to prove that I am not the same person. 
Today, XX/XX/XXXX, I called American Express, XXXX XXXX XXXX XXXX and they say it takes up to XXXX days to get back to me. 
Today, XX/XX/XXXX, I also called the law firm and the person who answered me, XXXX XXXX, said that access to my account is blocked because they are investigating it and that she has no idea when they will have an answer. She told me that the investigators from her firm do not accept calls. This whole conversation is recorded by that same company. 
In the meantime I have XXXX days left to respond to the legal claim. 
I am a citizen of the United States, I have lived in this country for 4XXXX years and my resume is impeccable. I have never defaulted on a debt, my credit score is over 800. I have never had the slightest legal problem in my life. 
This unfair situation has my wife and I under maximum stress. I am XXXX years old. I am a XXXX  with an extensive background and I can prove all the acts of my life have been correct. 
I do not want to and can not hire a lawyer to defend me for something I do not owe. I do not understand why neither of these two companies can give me an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Account status incorrect, showing open account as closed, showing delinquent account and negative payment history when account is not. Reporting on XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: MI

Complaint narrative:
Unauthorized use of my credit report. Reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: CA

Complaint narrative:
Hello I hope all is well with you. On XX/XX/2021 I had sent in my third letter regarding inaccurate and not known to my knowledge things on my credit report. I sent my first letter on XX/XX/2021 and another letter on XX/XX/2021. Leading up to this day which is over 30 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30-45 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 30 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache and stress you have given me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I've called every credit company and even sent in mail, and my addresses don't match up and the chargers don't match up, as well as I've seen hard and inquires hit my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I've called every credit company and even sent in mail, and my addresses don't match up and the chargers don't match up, as well as I've seen hard and inquires hit my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
A few years ago I had my identity stolen. Multiple lines of credits were made, and one was with XXXX XXXX. I called XXXX XXXX to tell them that this was not mine and we went through several steps and XXXX XXXX assured me that it was taken care of and I would not be charged for whatever was financed. THEN, after years of not hearing from them after the told me the took care of the debt, I get harassed my Midland Credit Management for the same debt. I do not owe this, it was not me that took out the credit. 

I will sue both companies for harassment and furthermore for attorney, legal fees, and mental anguish if this continues. 

The letter from MCM says the account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Hello, I requested a few accounts to be removed since they were inaccurate, they just ignored my previous request and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish.I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Hello, I requested a few accounts to be removed since they were inaccurate, they just ignored my previous request and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish.I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: TX

Complaint narrative:
Received email notice XX/XX/2021 with attached document. Address listed was one from nine years ago ( for my husband ) and mine was from over a year ago. 
We responded to the email XX/XX/2021 noting that we have tried to contact them with the provided phone numbers. Each number automatically disconnects when the caller follows the prompts to speak to representative or an operator. 
They responded with the same phone number. 
I responded XX/XX/2021 with another request to speak with a representative to resolve the issue. I received an email from another individaul with the same useless phone number. 
I have provided an updated address and called the following numbers within listed business hours with no success. Some numbers have been tried multiple times. 
XXXX XXXX XXXX XXXX XXXX XXXX I am trying to reach someone because I have concerns about the validity of this debt. I am unable to and am concerned this will put me at a extreme disadvanatge in the years to come.

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 2021-11-17 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Account status incorrect, showing open account as closed, showing delinquent account and negative payment history when account is not. Reporting on Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
Credit Systems International is trying to collect a debt for XXXX XXXX and XXXX, however, XXXX told me that if I stayed on payment plans, which I am, that I would never be sent to collections. XXXX lied which is a violation of the Texas Deceptive Trade Act, Consumer Protection Act. With that being said, this debt should not be in collections. Furthermore, XXXX has never given me any notice that there was a problem or change to my payment plan. 

I'm also being charged for a {$200.00} test that was not completed for me and is an error in billing, but XXXX refuses to assist when I call.

Company response to consumer: Closed with explanation