vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Zimmerman & Zimmerman, P.A.
State: KS

Complaint narrative:
I don't remember exact dates anymore, but Zimmerman & Zimmerman no longer have XXXX XXXX as a client. When my credit card went over and had to pay all fees etc, my checks were garnished and the fee paid in whole and satisfied. XXXX AND Zimmerman & Zimmerman did NOT report this to collections. As such, I still have a civil suit against me ( showing on my record from FIVE YEARS AGO ) to where lenders can't loan me money for a much needed new vehicle. I HAVE THE SATISFACTION LETTER. In the days this has happened, I found out XXXX is NO LONGER a client of Zimmerman & Zimmerman. As such neither have ANY record of my satisfaction letter, but I DO have a hard copy.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The listed allegation of inquiry record is NOT currently proven to be reporting COMPLIANTLY, as Alleged Creditor ( s ) and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry ( ies ) deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion.. XXXX, XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX CARD, XXXX, XXXX 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 explanation
Consumer complaint received 2020-02-16 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: NV

Complaint narrative:
The listed allegation of inquiry record is NOT currently proven to be reporting COMPLIANTLY, as Alleged Creditor ( s ) and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry ( ies ) deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion.. XXXX, XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX CARD, XXXX, XXXX 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 2020-02-16 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: GA

Complaint narrative:
XXXX XXXX keeps reporing incorrect information after the amount owed has been settled with a collection agency they contracted. I paid XXXX  on XX/XX/2020 in the amount of XXXX which was the agreed upon settlement offer. They acted on behalf of XXXX XXXX so this account is paid in full and satisfied.

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 2020-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: AZ

Complaint narrative:
After sitting on hold for over an hour, i told this faux hospital i have never been to the Carolinas let alone went to the hospital there. They sent me some long impossible to read and fill out form to prove they never treated someone who lives on the west coast and i wish i had the funds to sue these jerks.

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 2020-02-16 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: Colony Brands, Inc.
State: GA

Complaint narrative:
XXXX XXXX keeps reporing incorrect information after the amount owed has been settled with a collection agency they contracted. I paid XXXX  on XX/XX/2020 in the amount of XXXX which was the agreed upon settlement offer. They acted on behalf of XXXX XXXX so this account is paid in full and satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 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: FL

Complaint narrative:
There have been a ton of multiple unauthorized access to applying to numerous credit cards hard hits on my social security number. Ive been a victim of identity theft and I had fraud claim through IRS in which I was a victim of too. I hired XXXX XXXX XXXX to clean the mess up in XXXX and got my credit back on track score was XXXX in XXXX now it is XXXX its XXXX All because someone keeps applying for credit cards in my name. Ive tried to get my credit report from XXXX  and Ive sent them all the documents necessary to by law and never received them. XXXX  was hacked my number was involved with millions consumers. Ive even waisted my money on there website to see my report they have locked it. I have every legal right to see my consumer finance profile and it is being illegally with held from me. I want something done about these hard hit inquiries removed points back on my credit report especially when I did not authorize I have FREEZE for fraud against me.

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 2020-02-16 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: NV

Complaint narrative:
I have examined my finances and developed a careful budget that includes my payment with the creditors I asked for a loan. I want to maintain a good relationship and a good credit score that's why I keep track of my bills. But seeing this is unfair.. I am requesting that you step up and remove the late payments reported on the accounts because it is completely INACCURATE AND INCOMPLETE in reporting .. USDOE/XXXX XXXX, XXXX XXXX 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 explanation
Consumer complaint received 2020-02-16 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: NV

Complaint narrative:
I have examined my finances and developed a careful budget that includes my payment with the creditors I asked for a loan. I want to maintain a good relationship and a good credit score that's why I keep track of my bills. But seeing this is unfair.. I am requesting that you step up and remove the late payments reported on the accounts because it is completely INACCURATE AND INCOMPLETE in reporting .. USDOE/XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX  XXXX HOSPITAL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 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: NV

Complaint narrative:
The following student loans were reported on my credit report DEPTEDXXXX XXXX, DEPTEDXXXX XXXX.. Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with XXXX  for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
Ive been with Mr Cooper home mortgage for over 6 months. Ive not once gotten a bill called several times to get one. Beginning of 2020 they went up due to there miss calculation on escrow it went up. Well heres another problem I dont get bill so only reference I have is I keep copying the slips they gave me at closing. I was short this month. Got call last week about that on Saturday paid that. Then they get call this week on Saturday saying I was short again. Ive pleaded with them to mail be a bill. They will not do it unless I call and ask them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 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: NV

Complaint narrative:
The following student loans were reported on my credit report DEPTEDXXXX XXXX, DEPTEDXXXX XXXX Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with XXXX for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2020-02-16 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: NV

Complaint narrative:
The following student loans were reported on my credit report DEPTEDXXXX XXXX, DEPTEDXXXX XXXX.. Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with Experian for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2020-02-16 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: LA

Complaint narrative:
I am a victim of inaccurate/unverifiable/invalid/and-or possibly even fraudulent misinformation. I am writing to request that you block the following unrecognized and/or fraudulent information from my credit report ... XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX   XXXX  XXXX, UNKNOWN XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Using the Consumer Finance website I went down the list to freeze my credit on all four credit bureaus. I tried to create an account on Equifax but their registration site would not accept my email address saying it was invalid. I called them and customer support was able to freeze my account after validating my identity. They then sent me to tech support to fix the email issue but they told me they could not fix it and that I will have to get a different email address. Without an account I would not be able to unfreeze my credit with them. I then asked them to unfreeze my credit and also asked them to escalate my problem to get it fixed on their website. They pretty much told me I was out of luck and would not be able to freeze my credit with them. I logged into the other three bureaus without any difficulty and easily created an account and successfully froze my credit. Equifax is not allowing me to freeze my credit with them. I told them I had a legal right to do so but they don't care. I need help with them correcting the problem with their website so I, and potentially others, can create accounts and manage their credit. I am nearing retirement and want as much protection as possible for my assets and identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
The representatives of Citibank tried to gather personal information from me to get into my account to commit fraud. As a credit cardholder for over five-plus years, Citibank representatives stated to me that they pull my credit report and cut the credit limit of my credit cards and insist that I called the XXXX  credit reporting agency. I refused and instantly paid off the account and put a block of the cards. When I went on the street to make purchases at XXXX, I had individuals harassing me of how much money I have. I told them, " go take it if it's yours. '' I went home and started removing all my money from savings in my Citibank accounts. 
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 explanation
Consumer complaint received 2020-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX The aforementioned credit collection agency representing whomever your Client is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : Experian, XXXX  and XXXX. 
The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.

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 2020-02-16 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: LA

Complaint narrative:
I am a victim of inaccurate/unverifiable/invalid/and-or possibly even fraudulent misinformation. I am writing to request that you block the following unrecognized and/or fraudulent information from my credit report ... XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX   XXXX XXXX, UNKNOWN XXXX, XXXX XXXX, XXXX XXXX  XXXX  XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, 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 explanation
Consumer complaint received 2020-02-16 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: LA

Complaint narrative:
The listed allegation of inquiry record is NOT currently proven to be reporting COMPLIANTLY, as Alleged Creditor ( s ) and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry ( ies ) deficient of true Permissible Purpose that REQUIRES immediate  and permanent deletion. 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, 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, 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 XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 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: FL

Complaint narrative:
There have been a ton of multiple unauthorized access to applying to numerous credit cards hard hits on my social security number. Ive been a victim of identity theft and I had fraud claim through IRS in which I was a victim of too. I hired XXXX XXXX XXXX to clean the mess up in XX/XX/XXXX and got my credit back on track score was XXXX in XX/XX/XXXX now it is XX/XX/XXXX its XXXX All because someone keeps applying for credit cards in my name. Ive tried to get my credit report from XXXX and Ive sent them all the documents necessary to by law and never received them. Equifax was hacked my number was involved with millions consumers. Ive even waisted my money on there website to see my report they have locked it. I have every legal right to see my consumer finance profile and it is being illegally with held from me. I want something done about these hard hit inquiries removed points back on my credit report especially when I did not authorize I have FREEZE for fraud against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-16 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: FL

Complaint narrative:
There have been a ton of multiple unauthorized access to applying to numerous credit cards hard hits on my social security number. Ive been a victim of identity theft and I had fraud claim through IRS in which I was a victim of too. I hired XXXX XXXX XXXX to clean the mess up in XXXX and got my credit back on track score was XXXX in XX/XX/XXXX now it is XX/XX/XXXX its XXXX All because someone keeps applying for credit cards in my name. Ive tried to get my credit report from Experian and Ive sent them all the documents necessary to by law and never received them. XXXX  was hacked my number was involved with millions consumers. Ive even waisted my money on there website to see my report they have locked it. I have every legal right to see my consumer finance profile and it is being illegally with held from me. I want something done about these hard hit inquiries removed points back on my credit report especially when I did not authorize I have FREEZE for fraud against me.

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 2020-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have contacted Experian several times myself, as well as via XXXX ( paid service ) and MasterCard credit protection service. Experian will no report my XXXX XXXX card that is closed, that is reported by both XXXX  and XXXX  because the account is in good standing when closed in 2013. XXXX XXXX has been contacted and they have contacted Experian as well. Experian also is quite unprofessional and rude when speaking with them and said if I want me card reported I can enroll in their Experian service that I have had prior and the XXXX XXXX card that was closed in good standing was reported that cost me {$39.00} per month. I believe that is illegal, at minimum amoral. I do have a current XXXX XXXX card that is unrelated that is being reported properly so the two are not confused. This is effecting my credit score negativity by 45 points based on comparing all three credit reports and scores in real time via XXXX. This is within the time limit the are required to report accounts in good standing by statute. Please help as my fiancee and I are looking to apply for a mortgage this spring. 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 2020-02-16 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: LA

Complaint narrative:
The listed allegation of inquiry record is NOT currently proven to be reporting COMPLIANTLY, as Alleged Creditor ( s ) and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry ( ies ) deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion. 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, 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 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 XXXX, XXXX/XXXX-XXXX, XXXX XXXX, XXXX XXXX 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