vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-21 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: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I have disputed a fraudulent account. Rent Debt Automated collection through XXXX. I submitted police report utility bill indicating documentation proving this account was open up in my name without consent or knowledge. I contacted the collection agency with my social security number ID police report and utility bill and this company advised they would send me a affidavit to sign which they have failed to send I have been waiting since XX/XX/XXXX for the affidavit. 

This account is incomplete and unverifiable. How do you verify account when I have documentation indicating identity theft what was your method of verification? XXXX  is reporting incomplete and unverifiable information to my credit report which is negativity effecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: Conn's, Inc.
State: TN

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: TekCollect Inc.
State: MO

Complaint narrative:
I have a loan with US DEPT ED, USDOEXXXX, and TEK COLLECT ( Original Creditor : XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, US DEPT ED, USDOEXXXX, and TEK COLLECT ( Original Creditor : XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: Kansas Counselors, Inc.
State: MO

Complaint narrative:
I have a loan with XXXX XXXX ( Original Creditor : XXXX XXXX  ) and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) and XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: STERLING JEWELERS, INC.
State: TN

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: TN

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 explanation
Consumer complaint received 2020-08-21 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: CORELOGIC INC
State: TX

Complaint narrative:
On XX/XX/2020, I applied for a preapproval with XXXX XXXX Mortgage. I approved a credit pull, but only one. Instead, XXXX XXXX Mortgage pulled my Transunion report, and then pulled a report for all bureaus, including Transunion. This resulted in XXXX inquiries on my Transunion report. 

XXXX XXXX Mortgage has indicated that it is their policy to pull a report from one of the bureaus to determine if the customer qualifies. After the initial review, they pull a report from all bureaus. This results in the consumer having a double inquiry for one of the bureaus. Consumers are not made aware that XXXX XXXX Mortgage will pull their report twice. 

I attempted to speak to someone about this for weeks. I left a message with multiple people, including my loan XXXX 's XXXX. I informed two of the loan officers and a rep at the company about the issue and they informed me that they would look into it. After weeks, I only got a reply after I contacted them again and threatened to file a formal complaint. Their response is that inquiries are only typically removed if there's an error. They followed up with claims that the second inquiry does not affect my score. They fail to realize that although the extra inquiry may not cause a drop in my score, the mere fact that it increased my total number of inquiries does affect my overall creditworthiness. They are also missing the point that I did not authorize them to pull my report multiple times. 

XXXX XXXX Mortgage should discontinue their practice of pulling consumers ' credit reports multiple times without their permission. When consumers provide permission to have their credit pulled, they have every reason to expect the company to only pull their information once and to seek permission for subsequent inquiries. I did not XXXX XXXX XXXX Mortgage the freedom to pull my credit as many times as they wish. I provided approval for one credit pull. So, one of the Transunion inquiries should be removed.

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 2020-08-21 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: CA

Complaint narrative:
I have filed over 4 separate letters with XXXX, XXXX and equifax each letter over 35 days apart requesting Incorrect Account Status validation and requested to be corrected or delete. 

In the event that you can not verify the details and/or provide the requested information, kindly remove these damaging accounts from my credit report. 

If you can verify the information you have listed as accurate, please provide the name of the person supplying this data as well as the manner in which it was provided in order that I may pursue additional remedies. 

Accounts wrong XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: CA

Complaint narrative:
I have filed over 4 separate letters with Experian, XXXX and XXXX each letter over 35 days apart requesting Incorrect Account Status validation and requested to be corrected or delete. 

In the event that you can not verify the details and/or provide the requested information, kindly remove these damaging accounts from my credit report. 

If you can verify the information you have listed as accurate, please provide the name of the person supplying this data as well as the manner in which it was provided in order that I may pursue additional remedies. 

Accounts wrong XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX credit card

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 2020-08-21 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:
Incorrect Account Status. Please correct or remove this. I have requested this from each company over 4 times each letter sent over 35 days apart. I requested to verify account being in collections with information validating this or In the event that you can not verify the details and/or provide the requested information, kindly remove these damaging accounts from my credit report. 

If you can verify the information you have listed as accurate, please provide the name of the person supplying this data as well as the manner in which it was provided in order that I may pursue additional remedies. 
Accounts listed are- XXXX XXXX XXXX XXXX  XXXX XXXX ( listed 5 times XXXX XXXX mortgage showing late

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Incorrect Account Status. Please correct or remove this. I have requested this from each company over 4 times each letter sent over 35 days apart. I requested to verify account being in collections with information validating this or In the event that you can not verify the details and/or provide the requested information, kindly remove these damaging accounts from my credit report. 

If you can verify the information you have listed as accurate, please provide the name of the person supplying this data as well as the manner in which it was provided in order that I may pursue additional remedies. 


Accounts listed are- XXXX XXXX XXXX XXXX  XXXX XXXX ( listed 5 times XXXX XXXX mortgage showing late

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 2020-08-21 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: CA

Complaint narrative:
Incorrect Account Status. Please correct or remove this. I have requested this from each company over 4 times each letter sent over 35 days apart. I requested to verify account being in collections with information validating this or In the event that you can not verify the details and/or provide the requested information, kindly remove these damaging accounts from my credit report. 

If you can verify the information you have listed as accurate, please provide the name of the person supplying this data as well as the manner in which it was provided in order that I may pursue additional remedies. 


Accounts listed XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( listed 5 times XXXX XXXX mortgage showing late

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 2020-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Ive reached out countless times about this and STILL you have incorrect names, addresses, etc. after Ive provided you with my drivers license, SSN card and a letter for the police department advising I had been a victim of identity theft! Ive provided you with that information so that you could update your records/accounts accordingly and STILL you have failed to do that instead in my previous complaint, you left a generic response about talking directly to me when you have made it impossible for me to even contact you about my own account!!!!!! 

When you receive a complaint from the CFPB you are speaking directly to me! I cant speak to you, but youve managed to place a fraud block and freeze on my account that I HAVE NOT requested. Ive previously asked that you lift any blocks and freezes from my account and not add anything I have NOT asked you for ... instead you do exactly what I said NOT to do! 

Because Ive documented this issue many times over and have given you ample opportunity to correct this and you have failed to do so, please respond with the information for your resident agent in my state, as I will be moving forward with a lawsuit against you for your incorrect credit reporting and inability to make corrections in a timely manner. I will be seeking damages for your incorrect credit reporting and your refusal to correct this and the negative impact it has had on me and my credit as a result. 

Again, please respond to this complaint with information for your resident agent in the state of Virginia so that they can be properly served for any forthcoming court proceedings.

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 2020-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Ive reached out countless times about this and STILL you have incorrect names, addresses, etc. after Ive provided you with my drivers license, SSN card and a letter for the police department advising I had been a victim of identity theft! Ive provided you with that information so that you could update your records/accounts accordingly and STILL you have failed to do that instead in my previous complaint, you left a generic response about talking directly to me when you have made it impossible for me to even contact you about my own account!!!!!! 

When you receive a complaint from the CFPB you are speaking directly to me! I cant speak to you, but youve managed to place a fraud block and freeze on my account that I HAVE NOT requested. Ive previously asked that you lift any blocks and freezes from my account and not add anything I have NOT asked you for ... instead you do exactly what I said NOT to do! 

Because Ive documented this issue many times over and have given you ample opportunity to correct this and you have failed to do so, please respond with the information for your resident agent in my state, as I will be moving forward with a lawsuit against you for your incorrect credit reporting and inability to make corrections in a timely manner. I will be seeking damages for your incorrect credit reporting and your refusal to correct this and the negative impact it has had on me and my credit as a result. 

Again, please respond to this complaint with information for your resident agent in the state of Virginia so that they can be properly served for any forthcoming court proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Ive reached out countless times about this and STILL you have incorrect names, addresses, etc. after Ive provided you with my drivers license, SSN card and a letter for the police department advising I had been a victim of identity theft! Ive provided you with that information so that you could update your records/accounts accordingly and STILL you have failed to do that instead in my previous complaint, you left a generic response about talking directly to me when you have made it impossible for me to even contact you about my own account!!!!!! 

When you receive a complaint from the CFPB you are speaking directly to me! I cant speak to you, but youve managed to place a fraud block and freeze on my account that I HAVE NOT requested. Ive previously asked that you lift any blocks and freezes from my account and not add anything I have NOT asked you for ... instead you do exactly what I said NOT to do! 

Because Ive documented this issue many times over and have given you ample opportunity to correct this and you have failed to do so, please respond with the information for your resident agent in my state, as I will be moving forward with a lawsuit against you for your incorrect credit reporting and inability to make corrections in a timely manner. I will be seeking damages for your incorrect credit reporting and your refusal to correct this and the negative impact it has had on me and my credit as a result. 

Again, please respond to this complaint with information for your resident agent in the state of Virginia so that they can be properly served for any forthcoming court proceedings.

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 2020-08-21 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: MO

Complaint narrative:
Experian has the wrong DOB listed on my credit report, along with incorrect names, addresses, telephone numbers and SSN. I have called and disputed 3 times since it will not allow me to dispute on line and my file is still incorrect.

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 2020-08-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2020 I went to XXXX XXXX dealership, XXXX XXXX XXXX XXXX, XXXX XXXX, they run my credit and that day my credit score went down 68 points!!! 

The same day Capital One Bank run my credit without my authorization, called the bank, they can not give any explanation. 

Also the last 2 months there are 4 hard inquiries coming from " XXXX XXXX ". I never gave any permission to them to run my credit.

Company response to consumer: Closed with explanation