vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have already tried to sort this out with Equifax. They have letters from me on XX/XX/2022 & XX/XX/2022. 

I have requested the removal of these hard inquiries as I did not initiate them, I did not verbally authorize them neither did I authorize this to happen in writing. These inquiries by these companies are fraudulent. 

I am asking once again, for the 3rd time for the removal of these inquiries. They are : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX This is 8 ( eight ) inquiries that MUST come off my credit report. I have backed this request up already with a police report which Equifax already has in their possession from a previous mailing. The other 2 bureaus.. XXXX and XXXX have already removed these inquiries. 

PLEASE REMOVE THESE INQUIRIES and send me an updated and CORRECT FULL copy of my credit report to my current address. 

Also, My name continues to be INCORRECT on my EQUIFAX report. On my Equifax Report dated XX/XX/2022 My name is showing as XXXX XXXX XXXX... THIS IS NOT MY NAME! My legal name is : XXXX XXXX, which they have all the copies of my social security card and driver 's license so there should not be ANY excuse to not have my personal information correctly updated in my file. 

Please CORRECT my name to : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: CA

Complaint narrative:
XXXX and Equifax show a late payment posted on XXXX, XXXX. I contacted XXXXXXXX XXXX credit cards and they said I had a XXXX balance on XXXX and XXXX of XXXX. I do not understand why those two credit reporting agencies put a late payment for XXXX XXXX when I didn't even have a balance owed. 

XXXX, XXXX : balance {$0.00} XXXXXXXX XXXX : balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: CA

Complaint narrative:
I have been demanding to have these accounts removed with Equifax, and they refused. As of XXXX XXXX, I have been in communication with Equifax and they are refusing to remove these accounts that they did not have permission or consent to furnish on my behalf pursuant to 15 usc 1681 ( a ) ( 3 ) and 15 usc 1681 ( a ) ( 4 ) Please see the following accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I sent in my drivers license, drivers license records with proof of addresses, social security cards for me and my minor children, birth certificates, for a total of 17 times since XXXX and I never received the false information removed, or copies of my credit report via mail. I get a correspondence mail saying they need the information that I already provided. There are inquires for XXXX XXXX XXXX XXXX XXXX XXXX 7 times and I dont use it, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, EQUIFAX XXXX XXXX, EQUIFAX 8 times in one day, 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 SC XXXX, XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX using my name at XXXX XXXX XXXX XXXXXXXX SC XXXX I filed the police report they said all they can do is file thats it, XXXX XXXX XXXX XXXX sc XXXX XXXX XXXX XXXX sc XXXX, XXXX ADDRESSES, XXXX, XXXX, XXXX, XXXX, XXXX, - Phone Numbers, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SHOWS I HAD AN ACCT WITH THEM YEARS AGO AND NEVER DID, XXXX XXXX XXXX REPORTED FALSE EVICTIONS CAUSING ME AND MY KIDS IN XXXX not to get housing false payment reports and using other peoples address in my file, XXXX XXXX FOR XXXX someone opened account using an address I wasnt living at but my drivers records shows someone changed my address via online over 9 times without my knowledge, XXXX XXXX  FOR A MEDICAL BILL NOT MINE, XXXX accused me of XXXX  XXXX  but the address on file was incorrect and sent to an. Address I was never afflicated with, wasnt able to purchase a car due to false auto information on the report, unable to get insurance due to false insurance information, unauthorized XXXX accounts opened with out knowledge with a XXXX bill not mine the address again is not where I was living at the time. There were insurance companies I was never afflicated with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: SC

Complaint narrative:
I sent in my drivers license, drivers license records with proof of addresses, social security cards for me and my minor children, birth certificates, for a total of 17 times since XXXX and I never received the false information removed, or copies of my credit report via mail. I get a correspondence mail saying they need the information that I already provided. There are inquires for XXXX XXXX XXXX XXXX, XXXX XXXX 7 times and I dont use it, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 8 times in one day, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IRS- XXXX XXXX XXXX XXXX XXXX  SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX using my name at XXXX XXXX XXXX XXXXXXXX SC XXXX I filed the police report they said all they can do is file thats it, XXXX XXXX XXXX XXXX sc XXXX XXXX XXXX XXXX sc XXXX, XXXX ADDRESSES, XXXX, XXXX, XXXX, XXXX, XXXX, - Phone Numbers, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX SC XXXX XXXX XXXX SHOWS I HAD AN ACCT WITH THEM YEARS AGO AND NEVER DID, XXXX XXXX XXXX REPORTED FALSE EVICTIONS CAUSING ME AND MY KIDS IN XXXX not to get housing false payment reports and using other peoples address in my file, XXXX XXXX FOR XXXX someone opened account using an address I wasnt living at but my drivers records shows someone changed my address via online over 9 times without my knowledge, XXXXXXXX XXXX  FOR A MEDICAL BILL NOT MINE, XXXX accused me of snap trafficking but the address on file was incorrect and sent to an. Address I was never afflicated with, wasnt able to purchase a car due to false auto information on the report, unable to get insurance due to false insurance information, unauthorized XXXX accounts opened with out knowledge with a XXXX bill not mine the address again is not where I was living at the time. There were insurance companies I was never afflicated with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been disputing these erroneous accounts from my Credit Report for already a long time. The last letter I sent to the Credit Bureaus was XX/XX/XXXX requesting that the Credit Bureaus provide proof of validation and update or correct the information each disputed account presents. But despite all the letters and complaints I submitted, it is clear that the Credit Bureuas have grew negligent of ignorant of my requests. I am submitting this complaint today to request another investigation and correct the payment history of the disputed accounts on my Credit report. The Credit Bureaus are required to verify the information each account reports and correct from erronoeus reporting. If the Credit Bureuas can not prove that the information they present on my Credit File is accurate, I would highly appreciate it if they remove the account completely grom my Credit file : XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} Date Opened : 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 2022-08-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
This is my second complaint against this debt collector. First Complaint number XXXX. For the past three weeks, I have been called by a process server who states that his name is XXXX XXXX, with XXXX XXXX XXXX. He continues to threaten with legal papers for a debt that is supposedly 19 years old. I have spoken with XXXX XXXX XXXX XXXX  on a number of times about this debt. I do not owe it. Secondly, both the statute of limitation has passed. This is not the truth. They are claiming that I last made a payment in XXXX, thus the debt is still good to file a lawsuit with. I confirm that this debt when into collection in XXXX because I was forced to move out of the house. 

I requested their mailing address, but they refused to give me that. I have asked for paperwork on this transaction. But they refused to give me anything. I have voluntarily given them my home address. Yet, they will not give me anything on the debt. 

Finally, I told that to send me a settle agreement with their address and I would reply. This was the only way that I could get them to give me their address. Attached is the document that was emailed to me to XXXX. 

These people are totally unethical. They continue to threaten me with a sue if I do not comply. XXXX XXXX continues to leave messages stating that I have been notified and I will be served. 

Now, I confirmed that this debt was associate with a home in XXXX GA. It was a brand-new home. The government file an eminent domain on this property. The house was only 2 years old. I purchased in a new subdivision. The government paid off all debt on this house and I do not owe anything. You can XXXX the street of XXXX XXXX XXXX XXXX in XXXX. The causeway is call XXXX XXXX XXXX. As you can see, the government put in a brand-new causeway that removed my house and my neighbors homes. I want this stopped. Please investigate this collection company. 

I received settlement paper work from XXXX XXXX ( XXXX ) on behalf of XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: OH

Complaint narrative:
I have submitted disputes to you and i didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: EdFinancial Services
State: AZ

Complaint narrative:
Received letter from supposedly student fianacual aid. I called the number as it had all my loan informatio ln on the letter. Once I called they asked me several questions about my income and employer. I did provide with my drivers license and address. However once they requested my bank information routing and all that information I hanged up as I thought it was scam. They wanted me to start making payments for reason they wanted my bank information. The number the letter had was XXXX I spoke several times to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: NCB Management Services Inc.
State: OK

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted off my consumer report. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not related to any transaction by me as the consumer ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX, NCB Management Service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: ERC
State: OK

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted off my consumer report. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not related to any transaction by me as the consumer ; XXXX XXXX Enhanced Recovery Co L, XXXX. XXXX, XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: GA

Complaint narrative:
I have been trying for months to get multiple inquiries removed from my report that happen on the same day from numerous car credit companies that I did not approve and I haven't heard anything back from Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06 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:
On XXXX XXXX I sent off letters to all three credit bureaus to investigate. All of them came back as accurate I know they didnt investigate because my credit report still shows different showings on each of 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 2022-08-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Transform Credit Inc.
State: CA

Complaint narrative:
i was sent a e-mail stating i was saying i got approved i just need a cosign i ask for XXXX  i was also send a promissory note

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Today, XX/XX/2022, I woke to find my credit points has dropped XXXX points in one day ; and no reason for my score to drop such an invasive amount at one time. As you will see from the attachments, there were three factors that changes, two small decreases in two accounts I made payments to, and one small new account was added.

You will also see where I have all of my accounts with exceptional 100 % payments- with the exception of 2 accounts almost 6 and 8 years ago in collections that I have been disputing for sometime and equifax still continues to not provide me signed proof that those accounts are mine. 

When I called to dispute the XXXX drop in points that I noticed yesterday with no reason at all for over XXXX points to drop off someones score in one day!, I spoke with equifax staff today and they said this was a coding problem that called this huge error! 

Furthermore they would not let me make a complaint or dispute this credit point drop or make any formal record about it. 

Its going on two days now and I am being embarrassed and damaged, and i still cant get my credit score when I log in to the equifax XXXX, it says its unable to show my credit score/ error and has been like that for weeks. I tried to report that today and they would not make a dispute or record complaint. 

I demand that my credit points be given back to me and to fix the low scores I have been getting from equifax over the past 6 months contradictory to what the other XXXX credit agencies have been reporting! 

You will see the exceptional record of payments, history, age of accounts, XXXX in the past six months over XXXX payments I have made not one late and my score is almost XXXX with equifax right now. 

This is out of Control! 

I want my credit file cleaned up and explained why equifax is not investigating my disputes as to this day equifax has not shown me one document whatsoever validating or the verification of the disputed collections still on my report, not one document bearing my signature to validate any agreement, application for credit, nothing! 

Nobody is taking this serious! 

If equifax does not fix this once this all Once and for all I am contacting XXXX and XXXX XXXX and pursuing class action lawsuit! 

Fix my equifax I demand to be not embarrassed anymore!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: MD

Complaint narrative:
I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of these accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$1600.00}

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 2022-08-06 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: MD

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance : {$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 2022-08-06 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: ERC
State: FL

Complaint narrative:
On XX/XX/2018 XXXX Enhanced Recovery Co L , Reported a balance of {$910.00} for a fraudulent account that was opened with my information. I have exhausted all resources with getting the creditor to remove this fraudulent account as it is not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I would like all of my student loan accounts removed pursuant to 15 usc 1681 ( b ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: TX

Complaint narrative:
On XXXX 2022 I've contacted Equifax spoke with several reps. about unlawful information on my consumer report. pursuant XXXX5 USC1681 CONGRSSIONAL FINDINGS and STATEMENT of PURPOSE. 15 USC 1681 ( a ) ( XXXX ) consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit. 15 USC 1681 ( a ) ( XXXX ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 
My rights as a CONSUMER is being violated with all the inaccurate INQUIRIES AND COLLECTION on my consumer report. I want them REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation