vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-04 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: MI

Complaint narrative:
I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX  XXXX Balance : {$6800.00} XXXX XXXX XXXX Balance : {$4900.00} XXXX CAP Date XXXX inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX COAF Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX C Date XXXX inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of XXXX XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX OF XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry 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 non-monetary relief
Consumer complaint received 2022-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: OH

Complaint narrative:
On XX/XX/2022, I found out that there is a collection on my report from XXXX XXXX for {$650.00}. I do not have an account with XXXX. I have tried to dispute this Item with the company and It was unsuccessful. I currently have a fraud alert on my credit file and I believe that this is an action of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian continues to refuse to add my 100 word statement to my credit file as requested multiple times.

Experian provides vague excuses that they do not understand my request which is quite simple : ADD MY 100 WORD STATEMENT UNAMENDED to my credit file. I do not understand how difficult that is to do. 

My request also includes sending me a copy of my revised credit report with my statement so I have proof my statement has indeed been added to my report file as requested now for months.

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 2022-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
RESURGENT CAPITAL SERVICES/ LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX have been violating me and causing harm to my personal reputation Pursuant 15 USC 1692d ( 1 ) keeping me from getting other extension open ended consumer accounts. They have not sent proper validation of the alleged debt Pursuant 15 USC 1692g ( a ) ( 4 ) statements are not sufficient validation. RESURGENT CAPITAL SERVICES/LVNV FUNDING continues to report negatively to the credit bureaus even after the cease and desist Pursuant 15 USC 1692d ( 1 ). RESURGENT CAPITAL SERVICES/LVNV FUNDING XXXX XXXX XXXX XXXX XXXX XXXX is in violation of 15 USC 1692e ( 2 ) ( a ) for falsely representing the amount owed because the amount placed on the ( Letters ) and ( statements ) shows the balance in the positive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: NJ

Complaint narrative:
I noticed late Payments are inaccurate on 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 2022-03-04 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: Uplift, Inc
State: OH

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX ATTN : DISPUTEXXXX XXXX XXXXXXXX RE : ADVERSE ACTION DATED XX/XX/XXXX Recently, I was denied an extension of credit by UPLIFT on XX/XX/XXXX. 

AS you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim in adverse action against a consumer. Pursuant 15 U.S Coode 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). UPLIFT has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/XXXX is both proof and evidence that I have been discriminated against, you are also criminally liable. UPLIFT should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: MI

Complaint narrative:
I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Equifax : XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date XXXX XXXX XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX 'S XXXX of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Siggi LLC
State: GA

Complaint narrative:
To whom it may concern, I have paid off a few Omni Financial loans during my time in the military. I see there is an lawsuit against Omni Financial. I'm inquiring about the overpaid interest that customers were recieving refund checks from the overpayment for interest on the loan by the company. 

I have moved a few times since my first loan years ago and injuring if this applies to me as well. If so, please see my contact information below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Very respectfully, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC
State: IL

Complaint narrative:
XX/XX/2021, I discovered that my service provider did not pay the 2nd installment property taxes on my VA loan. The bill was sent out XX/XX/2021 and due XX/XX/2021 I called them and ask them to pay the bill to avoid the home being placed on the list for tax lien sales. They stated the SLA is 5-7 business days and it would be addressed.

It was still not addressed, so I sent emails and kept calling over and over again. 

In XXXX they informed me they paid, however, I contacted XXXX county to verify that they informed me that the taxes was not paid. I have been battling with this company for way too long and spent countless hours begging them to pay the taxes. The funds are in my escrow. They agreed again they would pay the taxes and the late fees would be extracted from their account as it is their fault that the taxes are delinquent. 
They finally paid the XX/XX/2021 tax bill on XX/XX/XXXX, I confirmed it with XXXX county, however, they did not pay the late fees. 

I am to my wits ends and frustrated that a service provider would be so lackadaisical about paying taxes. I've escalated asked to speak to managers and the result is always the same, no movement. 

They deducted my escrow account twice for the one payment and I have been begging them to correct it but like everything else with this company it is a nightmare.

This isn't the first time that they messed up my escrow, which ironically is put in place to avoid tax lien and here I am in that situation. 

I am exhausted, I sent my last email a few minutes ago and I want some assistance as no customer should not have to go through this. It takes minutes to pay taxes online. All this company has done is lie. 

This has been going on since XXXX, I shouldn't be constantly told it will take another week dragging a simple task on for so long.

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 2022-03-04 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: NJ

Complaint narrative:
I noticed late Payments are inaccurate on 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 2022-03-04 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: NJ

Complaint narrative:
I noticed late Payments are inaccurate on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: MI

Complaint narrative:
I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Experian and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX Balance : {$4900.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry 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 non-monetary relief
Consumer complaint received 2022-03-04 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: GA

Complaint narrative:
XXXX XXXX, contacted the Experian Technical Dept. for assistance in performing a Soft Pull of my Credit Report. As a company policy XXXX does not perform Hard Inquiry and this point was expressed to Experian, however, in providing instruction to XXXX, Experian gave instruction for a Hard Inquiry. Therefore, XXXX placed a Hard Inquiry on my Experian credit report in error and then when the error was brought to their attention by me they contacted Experian for instruction to suppress ( remove ) the Hard Inquiry. They sent a letter a redacted copy of which I have attached with instruction to suppress the Hard Inquiry to the email address given to them by Experian Tech Dept. Said Experian department received the correspondence as indicated below ; From : Profile Maintenance Dept XXXX Sent : Wednesday, XX/XX/2022 XXXX PM To : XXXX XXXX XXXX Subject : Delivery Receipt We received your request. Please allow 3 business days for sorting. If we are unable to process your request for any reason, a notification reply will be sent. Confirmation of completion will not be sent. Remember to always follow an encryption procedure when submitting sensitive information. Please contact Profile Maintenance at XXXX for any questions. 



Profile Maintenance Department Yet despite this written request to suppress the Hard Inquiry on my Credit Report, Experian in direct violation of the Fair Credit Reporting Act, has not yet suppressed or otherwise removed the unauthorized Hard Inquiry from my credit report. 

FAIR CREDIT ACT Consumer reporting agencies must correct or delete inaccurate, incomplete or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected within XXXX business days of the Consumer Reporting Agency being made aware of the reporting violation.

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 2022-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: FL

Complaint narrative:
Chime Bank allowed a person that doesn't & has never resided at my property address to open an online bank account. I notified Chime on XX/XX/22 of the fraud that was committed. I received a response from Chime advising that they could no longer do service with me and that they will l be closing my account. I have never opened a Chime account. Chime needs to do more to combat fraud which is raging in this country. I am very concerned about Chime 's verification process with allowing fraud to occur and want them to cease and desist from allowing someone to fraudulently open accounts in my name as well as allowing someone to use my property address for their fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: Millco Management
State: FL

Complaint narrative:
I pulled my consumer report, noticed Amerifinancial Solutions listed with an alleged debt. I contacted XXXX to have this account removed, as this is alleged identity theft, and per the FCRA this should be removed within 4 days. 

I also contacted AFS via phone, I attempted to provide them the information that THEY WERE REPORTING to my credit report, and before I could, the agent " XXXX '' was rude, she stated that the account was indeed NOT my account, but someone else 's. She also provided that they received the XXXX complaint and FTC report with the supporting documentation. I requested a cease and desist, to provide the documents ( medical ) that were used to verify & validate the account, and I also demanded to have the accounts blocked from reporting this fraudulent information to my consumer report. 

XXXX provided account information without VERIFYING my identity or confirming that I was the correct party on THEIR account. XXXX CONFIRMED on the RECORDED LINE that I was not the OWNER of this account. 

Address listed on credit report also does not match so how is it possible to remotely " verify '' this account when my name and address isn't valid?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: MO

Complaint narrative:
This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Some accounts are duplicated and closed. Yet they are still being furnished on my account. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and inaccurate. 
XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$300.00} DEPT OF EDUCATIONXXXX XXXX XXXX - XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX Balance - XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX Balance - XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX XXXX - XX/XX/XXXX DEPT OF EDUCATION/XXXX XXXX Balance - XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX Balance - XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX Balance - XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX Balance - XXXX XXXX Balance {$0.00} BANKRUPTCY XXXX XXXXXXXX Reference Number XXXX Filing Date XX/XX/XXXX BANKRUPTCY XXXX  XXXX-DISMISSED Reference Number XXXX Filing Date XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance {$3000.00}

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 non-monetary relief
Consumer complaint received 2022-03-04 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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