vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-05 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: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: NC

Complaint narrative:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2022-01-05 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: NC

Complaint narrative:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
TOWER LOAN has been harassing I, XXXX XXXX, the consumer about an alleged debt. I asked TOWER LOAN to send me validation of the alleged debt and to send me the correct amount owed. TOWER LOAN refused to send validation information. TOWER LOAN sent me a description of payments that were made. TOWER LOAN also garnished my paycheck which is against the law. I also asked TOWER LOAN to stop contacting me and I am still being contacted. TOWER LOAN has been providing false information to the credit reporting agencies. TOWER LOAN provided a document with false information on the document. TOWER LOAN said I made payment to the company in 2021, which is false. TOWER LOAN has violated my consumer rights.

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 2022-01-05 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: ALLIANT CREDIT UNION
State: FL

Complaint narrative:
I do not recall making this inquiry on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
First, this company did a unauthorized use of my credit card. Under 15 USC 1602p the term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

I never give this company permission to use my personal information. This is fraudulent activity.Also not to mention identity theft.I wonder want else have they used my personal information for? I receive no benefit from this account. How did they even get my information? I guess they stole that too. 

Under 15 USC 1692e, this is false and misleading representation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

This is unacceptable behavior. My rights have been violated. the account need to be deleted TODAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is an unauthorized inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: MA

Complaint narrative:
I have a hard inquiry from XXXX XXXX from XXXX XXXX 2020 that is supposed to drop off after 2 years but has not. It should have dropped off this week.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have a hard inquiry from XXXX XXXX from XX/XX/2020 that is supposed to drop off after 2 years but has not. It should have dropped off this week.

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 2022-01-05 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: USCB, Inc.
State: CA

Complaint narrative:
This is clear case of fraud and should be deleted from my credit report. This company and credit bureau has failed to give me a fair honest investigation. They can not validate nor do they have any evidence that this is me. This is not right. This collection agency has reached out more than once and I have already told them that is a clear case of fraud and they can not even give me proof, evidence, or validate this. Please look into this as I am getting taken advantage of. I have plans that I need my credit for this year. I am a brand new father of a daughter. My credit means a lot to me and and means a lot to my daughter future. 


This is 100 % me XXXX XXXX XXXX. Please contact me at XXXX if you guys need to verify that this is me. I will send over nay documents you need in order to fix this BIG problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Checkr, Inc
State: CA

Complaint narrative:
The background check company Checker, has not only relayed false information to a potential employer regarding my Motor Vehicle Report. The information they relayed is that 1st ; I have no license. 2nd ; my drivers license is suspended. 3rd ; That I have a failure to appear in traffic court for a moving violation. 
This is completely inaccurate information that has been relayed to a very prospective imployer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is an unauthorized inquiry.

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 2022-01-05 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
This is an unauthorized inquiry.

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 2022-01-05 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: CA

Complaint narrative:
I have sent Transunion disputes regarding the XXXX  account not reporting accurately across all three credit bureaus, specifying that I woud like this account to be removed for all of the inaccuracies and they have not done anything but update this account. 

I have also filed a police report and sent an identity theft affadavit to XXXX XXXX, but Transunion has come back stating they have said its verified. I know this is not true because they have not even finished their own investigation yet. Transunion seems to not be investigating my issues thoroughly and just sending me automatic responses it seems.

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 2022-01-05 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: MA

Complaint narrative:
On XXXX I spent over 50 minutes on the phone with XXXX XXXX at the Experian consumer affairs office, ( XXXX ) about disputing the XXXX XXXX hard inquiry done on XXXX. XXXX XXXX DID NOT HAVE MY AUTHORIZATION DO PULL A HARD INQUIRY ON MY CREDIT. XXXX XXXX spent 50 plus minutes telling me that there was no way to dispute the inquiry, and that there was nothing that he or Experian could do, unless it was specifically identity theft related. As a result nothing was done. It was stated that a dispute could not be opened regarding this. I am requesting if the company needs any additional information, they should contact XXXX XXXX in their consumer affairs office at the phone number listed in the above paragraph. I spent almost an hour on the phone with him and he has any information that they could possibly need from me regarding this complaint. Further complaints to Experian only result in copy and paste responses that do not help whatsoever. This company has been veery rude, disrespectful and unprofessional with regard to my complaint and could care less.

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 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX 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 non-monetary relief
Consumer complaint received 2022-01-05 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: HI

Complaint narrative:
Experian reported late payment on one of my accounts. After dispute, they corrected the issue. Now they overlaid corrected information with incorrect information again. Experian needs to stop fraudulent practices to make money.

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 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is clear case of fraud and should be deleted from my credit report. This company and credit bureau has failed to give me a fair honest investigation. They can not validate nor do they have any evidence that this is me. This is not right. This collection agency has reached out more than once and I have already told them that is a clear case of fraud and they can not even give me proof, evidence, or validate this. Please look into this as I am getting taken advantage of. I have plans that I need my credit for this year. I am a brand new father of a daughter. My credit means a lot to me and and means a lot to my daughter future. 


This is 100 % me XXXX XXXX XXXX. Please contact me at XXXX if you guys need to verify that this is me. I will send over nay documents you need in order to fix this XXXX problem.

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 2022-01-05 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: CA

Complaint narrative:
I have sent Transunion disputes regarding the XXXX XXXX account not reporting accurately across all three credit bureaus, specifying that I would like this account to be removed for all of the inaccuracies and they have not done anything but update this account.

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 2022-01-05 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: GA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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:
On XX/XX/XXXX, I submitted a dispute with Equifax to remove two hard inquiries ( made on XX/XX/XXXX and XXXX ) on my credit report that I did not recognize and were not authorized by me. However, their investigation ( returned on XX/XX/XXXX ) did not find an issue with either one. I was able to contact the company that made the hard inquiry on XXXX and they verified, based on the personal information I provided, that it was a fraudulent attempt to open a new line of credit in my name and informed me that they would remove the inquiry from my credit report. As of XX/XX/XXXX, the second hard inquiry on XX/XX/XXXX and fraudulent attempt to open a new credit line in my name hasn't resulted in a new account ( to my knowledge ), but I've been unable to figure out which company address or phone number to contact and verify this and to have the inquiry removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Checkr, Inc
State: NJ

Complaint narrative:
My original complaint was XXXX filled in XX/XX/21. The company provided updates in response but as of XX/XX/21 they still did not resolve the issue and said they were still investigating. The same day consumer finance closed the case. No final response, no correction if the info. Nothing is resolved. Why was the complaint closed? Why is it taking them so long?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX XXXX my loan number is XXXX company is selene finance my address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ny XXXX phone XXXX my date of birth XXXX. My complaint is that I made a trail payment for XXXX thru XXXX for XXXX on XX/XX/XXXX the reference number is XXXX that should cover for XXXX. The problem here again is that selene finance has not yet updated their computer systems as they claimed. Before. I called them on XX/XX/XXXX and ask them if I'm on a trail modification payment plan the response was that they don't show any modification and that they don't see my XXXX payment of XXXX so when I gave them the money gram information all of sudden they told me that the supervisor is going to make sure that the computer systems is updated showing all the payments I made and that I'm also on a trail modification. I told the selene finance customer service rep that the system supposed into been updated when my loan was transferred from prior servicing to show that I'm on a modification. So I ask for supervisor and she claimed that they gave this to research to have this updated showing that I on a trail modification payment.

Company response to consumer: Closed with explanation