vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-15 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: NY

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SS # ENDING IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I request a credit freeze/block/pin for XXXX, Experian, XXXX and 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 2021-06-15 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: LEXISNEXIS
State: OH

Complaint narrative:
I request a credit freeze/block/pin for XXXX, XXXX, XXXX and Lexis Nexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
review the following accounts that appear on my credit report, without any authorization, are hurting me XXXX Account Number : XXXX This is not mine. 
CB/VICSCRT Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: DISCOVER BANK
State: NY

Complaint narrative:
review the following accounts that appear on my credit report, without any authorization, are hurting me DISCOVER Account Number : XXXX This is not mine. 
XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This letter is a formal complaint that Credit Bureau is reporting inaccurate and incomplete credit information. I am distressed that Bureau has included the information below in my credit profile and that they have failed to maintain reasonable. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated. 
Chapter XXXX Bankruptcy XXXX This account is not mine. I WENT TO THE COURT FOR VERIFICATION OF INFORMATION BELLOW. YOU CAN SEE THE LETTER I HAVE GOT FROM THE COURT, its been attached to this letter. 

This account was not verified in court. VERIFICATION means COFIRMING SOMETHING TO BE TRUE. THE ACCOUNT YOU HAVE BEEN LISTED ON MY REPORT WAS NOT VERIFIED. According to FCRA it is clear violation. 
Credit Bureau must remove this account 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 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
There are two loans from XXXX loans and they keep reselling the loans to collections I have a total of six times the same two Loans are on my credit report and this is since XXXX, shouldnt they have been off my report? This is preventing me and my children from a lot we are entitled to. Ive been disable by the state of Ma since XXXX and unable to use the certificate I recieved for completing the medical assistant course at XXXX XXXX in XXXX, Ma!!! Totaling up to almost XXXX dollars on my report this is unfair and unjust I have had to higher a lawyer to help me also taking note money out of my pocket as a single mother of XXXX children trying to better our lives but get turned down from so much for example we need a vehicle and I cant get one cause of this situation. My name is XXXX XXXX XXXX DOB : XX/XX/XXXX last four of social is XXXX please help stop this madness!!!

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 2021-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ARS National Services, Inc.
State: TX

Complaint narrative:
I received a call from XXXX. The woman on the phone said she was with ARS National and she had a legal issue in her office that needed my immediate attention. I refused to confirm who I was, because I had no idea who it was actually calling me. When I refused she threatened " That's fine. I'll take it up with your employer '' and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: LJ Ross Associates
State: NJ

Complaint narrative:
Since XXXX, XXXX XXXX XXXX has been trying to say, that this debt was mine. It is not. I only found out about the debt after it appeared on my credit bureau. Because it never belonged to me, it never came to my address. In or around XXXX, I started seeing this collection from XXXX XXXX XXXX. I despites it with XXXX XXXX, and it was resolved. Then 6 months later, they sent it to another collection company. And they reported it to XXXX. I disputed it, and there it was also resolved and removed. Then another collection agency got the file and XXXX  reported it. I again disputed it and was successful. Then again another credit agency reported it and XXXX  once again adds it again to my credit file. After they already took it off a few months prior. I am repeatedly disputing the same charge from XXXX XXXX XXXX. Now XXXX  says the collection company certified their collection. This cant be possible, as I have never lived at the address of this dispute. I have never even lived in the city. This is not my debt. I moved in with my boyfriend in XX/XX/XXXX. After I rented my home in XXXX. I have not had electric service since I moved. XXXX XXXX XXXX transferred the service to the renter, and closed my account and returned my deposit and I do have a receipt showing it was paid in full. I sent that to XXXX  and have had no problems with them regarding this issue. There is no way they can certify this debt is mine, because I know I moved from my XXXX  house to my XXXX house. I bought the house in XX/XX/XXXX and I rented my XXXX   house in XX/XX/XXXX. XX/XX/XXXX, was the last time I had electric service in my name. This has already been disputed and resolved numerous times and I should not have to repeatedly dispute the same collection just because they moved to a different collection agency.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft CAP ONE AUTO Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC
State: CA

Complaint narrative:
Cross country Mortgage have refused to issue a payoff letter so I can refinance my mortgage request. My loan officer was name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All I want is a payoff statement good for 15 days so I can close on my refinance. it is cost me {$3000.00} to do a rate extension due to them not issuing me the payoff. My lender XXXX XXXX has been trying to reach them for 30 days with no response. I have tried for 2 days with no return calls. something is not right. Please call me. XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: TX

Complaint narrative:
I sent a letter dated XX/XX/2021 to Experian requesting the accounts showing on my credit report for XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX be validated or removed from my credit report. The accounts were not removed. I sent another letter to Experian dated XX/XX/2021 requesting verifiable proof that the alleged debts showing for XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, and XXXX XXXX were indeed my debts. In the letter dated XX/XX/2021 I also requested Experian provide me with the original contracts bearing my signature for the accounts showing for XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, and XXXX XXXX which I am entitled to under the FCRA Section 609. As of today, XX/XX/2021, I have not received anything in writing to prove I am responsible for the alleged debts showing for XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. By not providing verifiable proof that I am responsible for these alleged debts, Experian is violating my consumer rights and I would like these accounts to be removed from my credit report 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 2021-06-15 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: Stern Recovery Services, Inc.
State: NC

Complaint narrative:
Greetings, This is a formal complaint against Stern Recovery Services for violating my HIPPA rights. I requested removed from all three credit reporting agencies which includes XXXX. The actions of XXXX XXXX XXXX XXXX violate the FDCPA, FCCPA, FCRA, Libel/Defamation, and Invasion of Privacy of the FCRA. In addition, it is negligence and willful intentional infliction of emotional distress against the Complainant. The following documents submitted outline the unlawful conduct and actions of Stern Recovery Services in their question to damage my credit standing based on motivation and retaliatory tactics for filing a complaint against Stern Recovery Services Inc with the North Carolina Office of Financial Regulation. Please review the following attachments. Stern Recovery Services did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above-named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

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 2021-06-15 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: NY

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX XXXXXXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SS # ENDING IN 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 2021-06-15 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: NY

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX XXXX  We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SS # ENDING IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: TX

Complaint narrative:
I have asked them to provide actual proof the information on my credit report was validated, not a computer-generated confirmation. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. 
If you do not provide me with physical verification of the original signed consumer contract as you are required by Federal Law. 
Under federal law, they had 30 days to complete your re-investigation and furnish me with physical verification of the original signed consumer contract, yet they have failed to do so. 
Consumer reporting agencies must delete unverifiable information. Unverifiable information must be removed within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SoFi Mortgage, LLC
State: FL

Complaint narrative:
I understand that this bank is trying to do everything by the book, but in their quest to do so puts a tremendous amount of stress on the buyer. I provided everything they asked for, and it still didn't suffice. It was particularly problematic when it came to liquidating crypto for part of the down payment. So I found a workaround in the form of a gift from my partner. Then they wouldn't let him sign it electronically through adobe sign or docusign. Do they not understand that it is way easier to forge a written signature than it is a digital signature that they can trace? Also, they allowed for everything else to be e-signed. On top of all this, the lender waited until a couple of days before close to tell me this. So at this point, it was either jump through all the hoops or lose $ XXXX in earnest money. After my partner signed the gift letter, XXXX requested more documentation, citing XXXX XXXX guidelines. Not sure why I was told this after going through the whole process of getting it signed. Part of all the confusion stemmed from the lack of SOFI properly educating me on the type of loan I was receiving. I had no clue that it was a XXXX XXXX loan versus an FHA or some other kind of mortgage. So when I tried to research on my own, I was receiving conflicting information. Finally, in addition to signing the gift letter ( a legal document ), they asked me to type a blurb stating that I would not be paying the funds back. So a legal document was not even good enough for them. After all of that, they requested that my partner sign an affidavit saying the house would be his permanent residence, even though we don't live in the same state due to our careers. Again, something they told me after I went through the whole process. I was clear from the beginning where the funds were coming from. Even the title company and lender were shocked by how difficult the lender was being. 

Further, SOFI waited until the last minute before requesting proof of funds. Had they set a deadline, I would have had it done. Instead, their procrastination pushed the deal right to the brink. I then had to sign an extension with the buyer, which cost me more money. XXXX being ill-prepared, almost lost me my {$20000.00} in earnest money. Ultimately, I had to walk away from the deal with SOFI and paid cash instead, which, had I done from the very beginning, would have saved me a lot of time, money, and heartache. I am extremely fortunate that between my partner and I, we were able to come up with the money. 

Overall this process was so frustrating that I never want to apply for a mortgage again. As a first-time home buyer, this should have been a life milestone, but instead, it was a nightmare. SOFI should really be investigated for its lending practices.

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