vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-10 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: LA

Complaint narrative:
I've contacted XXXX, TransUnion and XXXX  on XX/XX/2020 reference to an inaccurate/erroneous item on my credit file that was being reported illegally. In XX/XX/2020 XXXX  and TransUnion contacted me stating that they have completed their investigation and the item was not deleted as requested by me but instead updated. Based on FCRA 611 ( a ) ( 2 ) ( B ), They are required to forward all of the relevant information I provided by them to the creditor for their investigation of my dispute. I did not receive such information none of the bureaus used for their investigation as required by FCRA 611 ( a ) ( 7 ). I made a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by each bureau in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with in XX/XX/2020. Instead of being deleted as requested the item was marked updated and in fact wasn't updated at all as the account is stating opened reporting negatively when I have documentation showing the account is actually paid in full and closed. I am requesting the item to be deleted from all three credit bureaus for I've had the same investigation issues with all three. Due to lack of investigations not being done properly. I have made several attempts to work with all three credit bureaus even the account creditor XXXX whom i am a victim of their current settled suit due to inaccurate credit reporting. XXXX instructed me to call each bureau to dispute the account to remove it but XXXX  failed to investigate properly under FCRA 611 ( a ) same as XXXX  and TransUnion.

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 2020-06-10 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: MT

Complaint narrative:
I am a victim of Identity Theft & currently have an Experian account that I can view my Experian Credit Report and getting notified when there is activity on my Experian Credit Report. For the past 3 days I've spent a total of approximately 9 hours on the phone with Experian. Every time I call I get transferred repeatedly and then my last transfer and automated message states to press 1 and leave a message and someone would call me. Every time I press 1 I get an automatic message stating than you before I even leave a message and get disconnected. I call Experian again, explain what is happening and the process begins again with the same end result. I was trying to have this issue attended and resolved informally but I give up after 9 hours. There are hard hit inquiries on my Experian Credit Report that are fraud, I didn't authorize, or recall and I respectfully request that Experian remove the hard hit inquiries immediately just like they've done in the past when I was able to speak to a live Experian representative in the United States. The following are the hard hit inquiries : BK OF XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/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 2020-06-11 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: Early Warning Services, LLC
State: CO

Complaint narrative:
XXXX  XXXX AND ESRLY WARNING WILL NOT REMOVE THE INQUIRES AND IN ACCURATE INFORMATION FROM THEIR RECORDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: Fidelity National Information Services, Inc. (FNIS)
State: CO

Complaint narrative:
CHEX SYSTEM AND XXXX XXXX  WILL NOT REMOVE THE INQUIRES AND IN ACCURATE INFORMATION FROM THEIR RECORDS.

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 2020-06-11 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: FISERV FINXACT CORE
State: CO

Complaint narrative:
XXXX  XXXX AND XXXX XXXX  WILL NOT REMOVE THE INQUIRES AND IN ACCURATE INFORMATION FROM THEIR RECORDS.

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 2020-06-10 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: TX

Complaint narrative:
For years I have been paying a lot for insurance. I kept getting told by all the insurance companies that it could be that my credit is not so good due to them running a consumer report doing the quoting process. Every time I would get a quote it would come back high or ineligible. I have always-aid my accounts on time. I decided to get my report pilled and out of surprise there is a lot of things that do not belong to me. Please remove these items from my credit report. 

XXXX XXXX XXXX {$450.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: TX

Complaint narrative:
For years I have been paying a lot for insurance. I kept getting told by all the insurance companies that it could be that my credit is not so good due to them running a consumer report doing the quoting process. Every time I would get a quote it would come back high or ineligible. I have always-aid my accounts on time. I decided to get my report pilled and out of surprise there is a lot of things that do not belong to me. Please remove these items from my credit report. 

XXXX XXXX XXXX {$450.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

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 2020-06-10 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: NH

Complaint narrative:
I am working with the SBA for disaster relief funding and they have suspended and potentially could deny my application because they reported to me that my credit report is frozen. I did not request freeze and the other two agencies, XXXX  and XXXX, I verified that they were not frozen. I believe that the freeze that is in place is in error and was not requested by me. 

The process for requesting a freeze is in writing only which I did not do. And the request to remove is the same process.

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 2020-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: MI

Complaint narrative:
I was using my cashapp normally when all of a sudden my cashapp account was frozen, i then tried for 2 and a half weeks to get in contact with a support team member to no avail, i am homeless and my situation is URGENT. I still have money on my account and i thinj they stole {$760.00} out of my account, i spoke with a XXXX  member and they said that they never 'reversed ' any money, so i dont know why there was a {$760.00} reversal charge. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from 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 explanation
Consumer complaint received 2020-06-10 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:
XXXX XXXX XXXX is trying to collect on behalf of XXXX XXXX XXXX for an unknown debt. XXXX XXXX XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$290.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCP

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 2020-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
ELDER ABUSE Lakeview Loan Servicing https : //lakeviewloanservicing.myloancare.com/ Loan Number XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Property Subject to Loan Serviced by Lakeview Loan Servicing Please regard this as a formal complaint against the practices of my servicer. We have attempted to procure a payoff from Lakeview Loan Servicing. XXXX XXXX and I have attempted through phone calls, submitted requests and various other means to procure a payoff of my current loan for more than 6 weeks to facilitate my refinancing. Ive a copy of an email I received from XXXX today. I will have to restart the loan process over with XXXX XXXX if my servicer continues to ignore our requests. 
Obviously the servicer does not want to lose a performing loan, but their deceitful tactics of ignoring my and XXXX XXXX requests are the exact basis of the charter of the CFPB. These servicers are the same organizations that have informed mortgagors seeking forbearance of payment that they will owe a balloon payment for missed months. The same entities that have extensively lobbied every U. S. Congress member that will listen that the Federal Reserve should provide them a nearly interest free credit facility to overcome their own illiquidity. Incredibly, the legislation recently passing the House actually provides for that relief. 

This country faces so many issues but the worse response is when good people standby and doing nothing. 

Thank you for your consideration XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2020-06-10 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from 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 explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: MO

Complaint narrative:
Hunter Warfield Called me for the DEBT i owed for amount of XXXX $ which was opened on XX/XX/XXXX in my credit History. 
Over the call they explained that i owe this with XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX, MN XXXX. I had rented with them from XX/XX/XXXX till XX/XX/XXXX. I had successfully closed my lease with all dues pending. 
I asked Hunter Warfield to give details of amount i owed last month but never got response. I contacted XXXX XXXX  but the management has changed so they don't have any records. 
This amount is now there on my credit history and affecting the same.

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 2020-06-10 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: TX

Complaint narrative:
I was in the process of buying an ATV for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$930.00}

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 2020-06-10 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: FL

Complaint narrative:
This is my final request to investigate and remove fraud accounts. I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below XXXX XXXX XXXX Date fraud - XX/XX/XXXX XXXX  XXXX XXXX date fraud - XX/XX/XXXX XXXX date faraud - XX/XX/XXXX I have proofs that all of these accounts are not mine and I spoke with banks, they going ro remove everything from system. Please remove from all 3 bureau all fraud accounts as soon as you can. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: FL

Complaint narrative:
This is my final request to investigate and remove fraud accounts. I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below XXXX XXXX XXXX Date fraud - XX/XX/XXXX XXXX  XXXX XXXX date fraud - XX/XX/XXXX XXXX date faraud - XX/XX/XXXX I have proofs that all of these accounts are not mine and I spoke with banks, they going ro remove everything from system. Please remove from all 3 bureau all fraud accounts as soon as you can. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2020-06-10 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: FL

Complaint narrative:
This is my final request to investigate and remove fraud accounts. I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below XXXX XXXX XXXX Date fraud - XX/XX/XXXX Bank XXXX XXXX date fraud - XX/XX/XXXX XXXX date faraud - XX/XX/XXXX I have proofs that all of these accounts are not mine and I spoke with banks, they going ro remove everything from system. Please remove from all 3 bureau all fraud accounts as soon as you can. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2020-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Unifin Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX Received letter of collections from XXXX  regarding XXXX Account XXXX ( last four digits ). Stating XXXX XXXX is attempting to collect a debt {$4400.00}. Not recognizing this debt, I called for further information and advised I do NOT recognize this debt. The representative stated she would request background information which should take XXXX. 

After phone call, I recalled a previous law suit from XXXX XXXX. I looked up my old paperwork and found the previously settled account with XXXX XXXX was also for the amount of {$4400.00}. This debt was settled and registered with XXXX County Superior Court, posted XX/XX/XXXX Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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:
XXXX XXXX XXXX is trying to collect on behalf of XXXX XXXX XXXX for an unknown debt. XXXX XXXX XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$290.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX is trying to collect on behalf of XXXX XXXX XXXX for an unknown debt. XXXX XXXX XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$290.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCP

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