vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-21 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: FL

Complaint narrative:
I noticed a few unauthorized inquiries on my XXXX credit report pertaining that I would like removed regarding the following : Capital One Inquiry Date : XX/XX/XXXX I contacted the company on XX/XX/XXXX. They could not assist me with removing the inquiry being that I did not have an open account with them. 

XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX I contacted the company on XX/XX/XXXX. They could not assist me with removing the inquiry being that I did not have an open account. 

XXXX - XXXX XXXX XXXX Date : XX/XX/XXXX I contacted the company on XX/XX/XXXX. They could not assist me with removing the inquiry being that I did not have an open account. 

XXXX XXXX XXXX XXXX Date : XX/XX/XXXX I contacted the company on XX/XX/XXXX. They could not assist me with removing the inquiry being that I did not have an open account. 

XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I contacted the company on XX/XX/XXXX. They could not assist me with removing the inquiry being that I did not have an open account. 

XXXX XXXX XXXX Date : XXXX XXXX, XXXX The company stated that I would need to contact the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
I Disputed many time the validity of this account I have asked for proof that this is my account which I have yet to receive ( billing statement is not of form of validation ) I am asking that this be removed from my report as it is being reported by different companies and the date of the account being opened is being re aged which is illegal I have attached copies of how it is being reported 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 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: CA

Complaint narrative:
In the criminal background it says Im on XXXX on one charge the other ones says driving while suspended while XXXX  I have never gotten a XXXX  from XXXX  ever I have a XXXX  from XXXX  which should not even be on the background in the first place its passed seven years and California state law says u can not report anything passed seven years which u have reported on the report and it was for XXXX  and it reporting XXXX  which is a lie and all of those charges have been dropped to infractions except one so u guys need to fix this I have lost my job due to ur in accurate report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SG and Associates
State: TN

Complaint narrative:
* XX/XX/XXXX-XX/XX/XXXX I contacted the collection multiple times regarding this matter to get resolved I explain to them this was not me and never signed for the devices as well did exactly what the representative requested a police report in XX/XX/XXXX because was not acknowledged of this purchase will not take ownership of it. 

*On XX/XX/XXXX I contacted the same collection agency about this matter and tried to resolve the representative was very rude and refused to hear me out after contacting smart pay with the collection agency they informed me could not release any information because would have to be the person who owe the account and also discover they don't have photo copy of my id either that link me to 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 explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello Good morning My name is XXXX XXXX XXXX, I'm writing to dispute the address that appears on my credit report. 

My Correct Address is XXXX XXXX XXXX, XXXX, FL XXXX, I am requesting to fix it for it to read that address. 

Please attach you will see driver licence and Social Security Number.

Thanks so much

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: GA

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : Account # XXXX XXXX  : Account # XXXX XXXX  : Acc # - XXXX XXXX  : Acc # - XXXX XXXX  : Acc # - XXXX XXXX  : Acc # - XXXX  XXXX  : Acc # - XXXX  XXXX  : Acc # - XXXX XXXX  XXXX : XXXX XXXX  XXXX : XXXX 15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following itemsof information any other adverse item of information other than records of convictions or crimes which antedates the report by seven years.

15 USC 1681s -2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Recently I have noticed a flood of late payments on my account. Along with closed accounts that are not mine. They come from about 3 maybe 4 different companies. I have disputed these accounts as they are fraudulent and this information is inaccurate. The credit reporting agency state they are not familiar with these laws and do not base their decision on laws. Fraud or not. Please assist if possible.

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 2023-04-21 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: GA

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : Account # XXXX XXXX  : Account # XXXX XXXX  : Acc # - XXXX XXXX  : Acc # - XXXX XXXX  : Acc # - XXXX XXXX  : Acc # - XXXX  XXXX  : Acc # - XXXX XXXX : Acc # - XXXX XXXX  XXXX : XXXX XXXX  XXXX : XXXX 15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following itemsof information any other adverse item of information other than records of convictions or crimes which antedates the report by seven years.

15 USC 1681s -2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Recently I have noticed a flood of late payments on my account. Along with closed accounts that are not mine. They come from about 3 maybe 4 different companies. I have disputed these accounts as they are fraudulent and this information is inaccurate. The credit reporting agency state they are not familiar with these laws and do not base their decision on laws. Fraud or not. Please assist if possible.

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 2023-04-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
Why does US Bank not respond to my requests for a mortgage modification? 
From the year XXXX to the year XXXX, I have been asking for a mortgage modification ( please see attached proof ). 

Direct your Attorney, XXXX XXXX XXXX, to cancel the sale he has scheduled for XXXX XXXX XXXX 
US Bank needs to directly with me ( they never have ). 
Stop running Attorneys who run to the State Court to overpower me by giving them a false impression that I am in default on a mortgage loan. 
How is that possible when there is not one on my credit reports? 
US Bank has never met with me face to face as required by HUD prior foreclosure action. 
US Bank has done nothing to help me stay in my 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 2023-04-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a complaint in XX/XX/2023. I requested for unauthorized items listed on my report to be removed. I attached all documents needed to complete this process, but only selected items were removed. Per the FCRA, section 609, I am requesting all information pertaining to the attached inquiries. I am legally entitled to all documents related to each item, please include each original credit application and contract containing my signature.

If you are unable to meet my request, please remove all 7 inquiries attached. I am allowing 15 days for all items attached to be removed.

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Apelles, LLC
State: NY

Complaint narrative:
APELLES collection sent me a bill asking me to pay the balance of {$2400.00}. I was told that my health insurance never pay the bill. They said that the bill is for the month of XXXX, XXXX 

I called the XXXX XXXX where I did the Heart monitor ( TLC diagnostic brand/company ). Biller from XXXX XXXX says that I don't have any money owed. I was told that my METROPLUS GOLD insurance already paid the whole bill. 

The BILLER sent a document thru email and my balance is totally {$0.00}. 

Below are the phone number to reach out if ever you need to verify anything. 



XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: OneMain Finance Corporation
State: GA

Complaint narrative:
I have a hard inquiry on my credit reports from XXXX  XXXX and onemain financial. I do not have an account with XXXX XXXXXXXX or onemain financial. I have contacted XXXX XXXX they gave me the XXXX XXXX number. I also contacted OneMain financial and they told me to contact the credit bureau as well because they had no records of my credentials in their system. When I spoke to XXXX  XXXX, she could not find a profile under my Social Security number or name but yet, I still have a hard inquiry on my credit report. This happened XX/XX/XXXX and XX/XX/XXXX, I know for sure I didnt open account on that day or any day prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX This account is listed as being 30 days late on XX/XX/XXXX & XX/XX/XXXX I have never been late on 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 2023-04-21 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX This account is listed as being 30 days late on XX/XX/XXXX & XX/XX/XXXX I have never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
DRS has been reporting this collection information to all three of the credit bureaus as unpaid. I never entered into a contract with DRS. After numerous attempts- they have failed to provide me with proof of required information about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying to get and maintain access to my personal Equifax account online. I have been unsuccessful in doing so for years now. Even after speaking to person ( XXXX ) on the phone, their website seems to be permanently broken. I keep getting promises they will contact me to reset my password, but nothing ever happens. I need access to my Equifax account to keep an eye on my credit and freeze my account as needed. Searching for this problem on XXXX returns a plethora of results all saying the same thing, the website has issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
My car was taking from me when I was at work back in XXXX and they did not allow me to get my stuff out and even my kids stuff was in it and they would not work with me on my payments and I didnt even have the car a year before they took it away from me and I am not sure if they sold it yes cause they sent me a letter once before and said I would have to pay any extra if it wasnt sold for the amount I had on it and I still have not heard anything from them since and my mother in law was on the loan with me and she passed away last year and they still try and charge her too please help me find out what is going on

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 2023-04-21 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX This account is listed as being 30 days late on XX/XX/XXXX & XX/XX/XXXX I have never been late on 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 2023-04-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This was not sent in error. All of the 8 accounts under the Dept of EducationXXXX  were deleted before but why it come back again? Please investigate all those accounts and delete them immediately. The same applies for XXXX account. In total of 9 accounts.

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 2023-04-21 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Trans Union has not removed an account from my report as XXXX has. 

EVIDENCE : Recent changes We found 6 changes to your XXXX credit report XXXX Credit score XXXX points since XX/XX/2023 Delinquent Payment XXXX XXXX XXXX XXXX account has become Charged Off Between XX/XX/2023 and XXXX XXXX, XXXX  your XXXX XXXX XXXX XXXX account status changed from " 60 Days Late '' to " Charged Off ''. During this period, you made 0 out of 2 payments on time. 

A " charge off '' status typically means your lender has closed your account because you became very far behind on payments. You still owe the debt though, and the charged-off account will often affect your Payment History and cause your score to go down. 
Balance Increased XXXX XXXX XXXX XXXX account balance increased Between XX/XX/2023 and XXXX XXXXXXXX XXXX, your XXXX XXXX XXXX XXXX account balance increased by {$270.00} from {$6400.00} to {$6700.00}. 

It looks like your balance went up. Your total debt typically factors into your credit score, so it's best to keep it low if you can. 
Balance Decreased XXXX XXXX XXXX, XXXX account balance decreased Account Closed XXXX XXXX XXXX XXXX account was closed Between XX/XX/2023 and XXXX XXXXXXXX XXXX, your XXXX XXXX XXXX XXXX  account appears to have been closed. 

Lenders like to see that you have experience successfully managing your credit. Closing an account could affect your average age of credit history. Generally, you'll want to keep your oldest accounts active and in good standing in order to prevent them from being closed. 
Account Information Changed Remark code added to XXXX XXXX XXXX XXXX account Remark code removed from XXXX XXXX XXXX XXXX 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 2023-04-21 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX. XXXX, XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
2. 15 U. S. C. 1681c section a4 states, Accounts placed for collection it charged to profit and loss which a sedate the report by more than seven years. The statute provides for a maximum length of time, not a minimum, and therefore violates the Fair Credit Reporting Act and should be removed immediately. Also, attempting to collect a debt written off by the original creditor and sold to a secondary company is unlawful and can not be collected. The continued reporting of this inaccuracy after repeated attempts to correct it has resulted in substantial personal damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX I made my XXXX payment. On XX/XX/XXXX was the first communication I received saying my payment was not made. My mortgage company Mr. Cooper is refusing to reimburse me the nsf fee. Their IT dept can show I logged frequently to check the status of my XXXX payment as the payment never debited my account. The Mr. Cooper homepage showed my account current for two weeks. The mortgage company provided no information that the payment was not made till after the payment was considered late. As a consumer I had no communication or was even given the opportunity to rectify the matter before penalties occurred

Company response to consumer: Closed with explanation