vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-12 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-04-12 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 paid my mortgage and second mortgage off in XX/XX/2022. I sent the payoff notice to the credit reporting agencies and there has been no update. XXXX and Transunion returned the dispute as certified correct. Which is a violation of the FCRA and was in fact incorrect. The information has been submitted numerous times and no update.

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 2022-04-12 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: CA

Complaint narrative:
I paid my mortgage and second mortgage off in XX/XX/2022. I sent the payoff notice to the credit reporting agencies and there has been no update. XXXX and XXXX returned the dispute as certified correct. Which is a violation of the FCRA and was in fact incorrect. The information has been submitted numerous times and no update.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: FL

Complaint narrative:
THE FOLLOWING INQUIRIES WERE DONE WITHOUT MY KNOWLEDGE. I REACHED OUT TO THE COMPANIES AND THEY ARE REFUSING TO HELP. 

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 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 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Suttell, Hammer & White, P.S
State: CA

Complaint narrative:
I have endorsed this debt with XXXX XXXX  XXXX and then also disputed this debt multiple times with Suttell & Hammer, yet they keep sending me harassment letters containing my private information that was sold to them by XXXX XXXX. I will be filing XXXX complaints. I endorsed the credit card on XX/XX/2022 with certified mail article number XXXX XXXX XXXX XXXX XXXX sent XXXX XXXX XXXXXXXX an endorsement where I sent payment in accordance with XXXX XXXX in the form of remittance or coupon payment. I also stated that the account be closed and no longer reported to any credit agencies. I know that it was received and signed for by XXXX XXXX on XX/XX/2022 due to the certified mail receipt I received. This can be tracked with the certified article number XXXX XXXX XXXX XXXX XXXX. 

Now there is a law firm ( Suttell & Hammer ) writing me a letter with statements attached, and I did not request any details or account history, nor would any of this information matter. There is no original contract. No verification pursuant XXXX XXXX XXXX I do not see any signed contract by me with my signed obligation that I would pay this debt. Statements are not a validation of debt. Pursuant XXXX ( d ) you must provide the original Contract. If you can send me the trilateral contract that I signed, not the copies, but the original contract, which I know you can not, because I know I did not sign one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: Nelnet, Inc.
State: TX

Complaint narrative:
Two months ago I checked credit reports from all three agencies. The department of education student loans that were forgiven two years ago or still listed as open by all three bureaus. Called department of education. They said they would notify all three bureaus that my balance was XXXX and the account was closed. XXXX did not get this information, they claim, and my credit score is XXXX points lower than it should be. The auto loan I am taking out today is based on todays score. XXXX is wrong. I will be forced to pay I hire interest rate for my loan because this information was not corrected two months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: CO

Complaint narrative:
I have daughter who is a minor and I am trying to freeze her credit with Equifax. I have mailed in the required paperwork requested by the company on their website in order to freeze the credit of a minor ( Minor Freeze Request Form, minor 's SSN, minor 's birth certificate, my government-issued driver 's license, and a utility bill showing my current address which was different than on my ID ). I have called Equifax over 5 times, speaking to more than 5 different individuals, and getting multiple stories and letters as to why they are unable to place a freeze on my daughter 's credit. The most consistent story is that since my daughter has no credit history, there is no credit report to freeze, and there is nothing they can do. However, even the Equifax website states " Should you request a security freeze be placed on your minor dependents credit report, a credit report is created for the minor and then frozen. '' I spoke to one Equifax individual on XX/XX/22, who stated that a temporary credit report needed to be made for my daughter, then a freeze could be placed on the account. He said that we was able to do this, and I even have a confirmation number for this freeze. However, the next day another letter was issued to me that a freeze could not be processed. The other two credit agencies ( XXXX and XXXX ) were able to easily freeze my daughter 's credit with no issue. 

I have all but given up that Equifax can not, or will not, do anything to help proactively protect the credit of minors. Instead, I was told once my daughter has a credit report ( as in, someone abuses her credit, opens accounts in her name, and fraudulent activity has already occurred ), THEN I can freeze her credit. This is very disappointing and unacceptable for a company that explicitly on their website states " Consumers under the age of XXXX typically do not have credit reports. Unfortunately, that means they present a blank slate for fraudsters who can apply for credit and take out loans in their name. The identity theft may not be discovered for years, until the child is a young adult. '' Equifax is only wanting to take action after the fact, when the damage has already been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MO

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I got an email from my bank XX/XX/11 advising my score has changed from excellent to good. 
I looked at my credit report and I can find nothing incorrect. I called TransUnion to find out what is going on. They said they can not help me and that I need to call a credit couseling service. I called the number they gave XXXX. We figured out that a credit card that had a $ XXXX limit that I have not used in XXXX closed. It dropped my score XXXX points ( from excellent to good ). I have ALWAYS had excellent credit. They told me to call TransUnion back and ask them about why the score would drop that much as there were no changes on my always on time payments for all my accounts and my usage is always under 30 %. I called TransUnion back they said there is nothing they can do. They said all of this is automated. I said exactly. I just want to get this escallated so someone can review the parameters that give the score. I said everything I have is in excellent status how can you give a score of 'good '. They repeated everything is automated and then asked 'what am I going to do to fix my credit. I said I can't fix anything as everything is in excellent status except the score. I just want someone up the chain to review the formulation to make sure there is not an error or a hack that is affecting the score. Please see the attached document that shows XXXX different companies that use TransUnion information saying everything is perfect, yet the score is 'good '. I also talked to my bank ( XXXX ) and they said they have gotten mulitple calls regarding this type of scenario since Friday ( XXXX ). We are looking at purchasing a condo for my mom. This score directly affects our interest rate and need this reviewed as soon as possible. How do you dig out from under a huge company that controls your life with this score and get anyone to look at this?

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 2022-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: GA

Complaint narrative:
This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. Only your company is reporting this inaccuracy Here again is the incorrect information being reported : ENHANCED RECOVERY CO L XXXX Balance : {XXXX}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: MO

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have already bring this to your attention to remove this fraudulent and inaccurate reporting that is hurting my credit score for several times. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Only your bureau is reporting this inaccuracy! 

Here again is the incorrect information being reported : XXXX  account : XXXX balance : {$1400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Remove this Fraudulent account immediately and do not re insert this account on my report again. I have notified Attorney General XXXX XXXX, a complaint has been filed with the attorney generals office. 

1. remove the XXXX XXXX XXXX account as this was previously investigated and removed. If you Equifax determined this account to be fraudulenty added to my report why is it now back on the report. This is a violation and illegal attempt to cause harm. I demand monetary compensation of {$1000.00} for each violation. 

Equifax has neglected to respond within a timely manner to provide verification on this account. Please remove this XXXX XXXX XXXX ( fraud ) account immediately and do not re insert this account on my report again. I have notified Attorney General XXXX XXXX, a complaint has been filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: NY

Complaint narrative:
I am not a 3rd Party, this is NEW information pertaining to my credit report. Please review the attachments.

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 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like to state that Equifax is in violation of 15 USC 1681 ( b ) ( a ) ( 2 ), which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, a federally protected consumer, never gave Equifax any written consent to report anything on my credit report. No consent was given and this is identity theft. I demand that you remove these inaccuracies off of my credit file within the next 10 days. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. 

I have listed the following accounts that you incorrectly reported and should be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Equifax has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused me a great deal of injury. By allowing these inaccuracies to be illegally furnished on my consumer report, it has caused financial damages to me, including jeopardizing my living situation, as well as caused me to completely lose confidence within the banking system. 

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. 


Regards, XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: TX

Complaint narrative:
Two months ago I checked credit reports from all three agencies. The department of education student loans that were forgiven two years ago or still listed as open by all three bureaus. Called department of education. They said they would notify all three bureaus that my balance was XXXX and the account was closed. Equifax did not get this information, they claim, and my credit score is XXXX points lower than it should be. The auto loan I am taking out today is based on todays score. Equifaxs is wrong. I will be forced to pay I hire interest rate for my loan because this information was not corrected two months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: FL

Complaint narrative:
THE FOLLOWING INQUIRIES WERE DONE WITHOUT MY KNOWLEDGE. I REACHED OUT TO THE COMPANIES AND THEY ARE REFUSING TO HELP. 

XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX CO XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: FL

Complaint narrative:
THE FOLLOWING INQUIRIES WERE DONE WITHOUT MY KNOWLEDGE. I REACHED OUT TO THE COMPANIES AND THEY ARE REFUSING TO HELP. 

XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXN Inquiry : XXXX XXXX, XXXX XXXX CO XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX 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 2022-04-12 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: TX

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

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 a account without my written instructions.

15 U.S.C 1692C- States Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I have reached out to see if I can finally have this issue resolved by receiving partial or full refund for disputed transactions that I have submitted. The dispute ID with Cash App is XXXX. I'm hoping this can get resolved as soon as possible.

Company response to consumer: Closed with explanation