vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Lakeside Recovery Solutions
State: NY

Complaint narrative:
Laskeside XXXX  continuously keeps calling family and friends stating I owe a debt and must get in contact with them. I asked them several times to stop calling me or my family which they ignored. They are harassing my family and stating they have them down as a reference which is lie as I never received any type of communication from them nor do I owe any debt to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: MI

Complaint narrative:
I've requested a Validation of the alleged debt from National Credit Adjust but to date, have not received the requested information. I would like a full breakdown of the amount allegedly owed, proof that this company is licensed to collect on this alleged debt in my state, proof of my digital or wet signature used to open this alleged account, as well as proof of my consent to have this company report this alleged debt on my credit reports. If company CAN NOT provide all of the requested information, please delete this erroneous account from my credit reports so that it may no longer cause me financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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 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

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 2022-06-09 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: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I've sent TWO letters to this credit union, and they do nothing. I'm XXXX XXXX XXXX XXXX XXXX. They continue to say I've made a {$3.00} payment in XXXX of 2022, yet I can't afford my medications. Someone from the XXXX XXXX  is helping me with this. It's over 100 degrees daily, so how long do you think I'll be alive? I'm trying to get XXXX  XXXX XXXX, however, this account shows current with that {$3.00} payment. They need to STOP reporting this and remove it NOW, not weeks from now. Totally unreal and friends are now posting their abuse on XXXX. Social media can be of great help. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX was contact my me loan holder, XXXX XXXX XXXX XX/XX/2022 in effort to obtain documents for a home loan refinance. At time of call XXXX, XX/XX/2022 I was automatically transfered to loan servicer named, Mr. Cooper XXXX At that transfer I learned that my loan information was not available to the proposed new servicer, Mr. Cooper. The representative in the CSR at Mr. Cooper was kind enough to call with me to XXXX XXXX XXXX XXXX XXXX, that call was not successful in reaching anyone in person at XXXX, XXXX. 

XXXX  XX/XX/2022 at XXXX pm I called again to make a connection to pay my mortgage, same process was made available. 

I was transferred to loss mitigation at Mr. Cooper, XXXX helped me. She stated that selling loans is common and needs time to transfer. 

I was not notified of this transfer and find this process unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: TX

Complaint narrative:
I found errors on my credit report for both accounts below XXXX XXXX and XXXX  XXXX XXXX accounts. XXXX, XXXX, and Equifax are reporting information about me which are inaccurate. All three credit bureaus are reporting different high balances on this account and do not show the same opening date. As they are aware they can only be One high balance on an account and One opening date. 

All the 3 bureaus are in violation of 15 U.S. Code 1681- Congressional findings and statement of purpose ( 1 ). The banking system is dependent upon fair and accurate credit reporting. 

DELETE the following accounts immediately for failing to comply with the FCRA. 

XXXX XXXX XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: TX

Complaint narrative:
I found errors on my credit report for both accounts below XXXX XXXX and XXXX XXXX XXXX accounts. Experian, XXXX, and XXXX are reporting information about me which are inaccurate. All three credit bureaus are reporting different high balances on this account and do not show the same opening date. As they are aware they can only be One high balance on an account and One opening date. 

All the 3 bureaus are in violation of 15 U.S. Code 1681- Congressional findings and statement of purpose ( 1 ). The banking system is dependent upon fair and accurate credit reporting. 

DELETE the following accounts immediately for failing to comply with the FCRA. 

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 2022-06-09 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: HI

Complaint narrative:
There are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX XXXX Balance Owed : {$0.00}

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 2022-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: UT

Complaint narrative:
I opened a new checking account on XX/XX/XXXX with Axos bank. I completed all application papers and submitted the required ID verification. On XX/XX/XXXX, I deposited {$1500.00} into the account. On XX/XX/XXXX, I received a message that my bank account would be frozen on XX/XX/XXXX if a W9 was not submitted. I immediately submitted a signed W9, but my account was frozen anyway that same day XX/XX/XXXX, and not the date in the message, which was XX/XX/XXXX. When I asked about the early freezing of the account, they confirmed it was due to identity verification and requested my ID again on XX/XX/XXXX. I submitted my driver ID information once again, have have heard nothing back from them. Contacting customer service gives a generic they will " get back to me within 1-2 business days '' answer. It is now XX/XX/XXXX and I still do not have access to my {$1500.00} and have not had any further communication from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: VA

Complaint narrative:
In XXXX XXXX XXXX XXXX published a story about credit bureau problems for consumers. I was featured in the article featuring my dispute with XXXX XXXX credit reporting company for incorrect information they refused to fix, after I tried several times to get them to correct the data. I was also featured on the XXXX XXXX XXXX with XXXX XXXX again talking about XXXX XXXX. I have no late payments, my credit use is around XXXX % yet XXXX XXXX recently dropped my credit score by over XXXX points. I pay my bills, my credit score currently does not reflect my paid on time payment record. I can only conclude that XXXX XXXX is punishing me for allowing my story to be published and televised. My credit score is now XXXX I was over XXXX in XXXX and nothing has happened that should bring my score to this low level/

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

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 XXXX breaches. I decided to look at my credit reports from the XXXX 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 2022-06-09 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a dispute in regards to inaccurate information being reported in my credit report. Below are the accounts in question : 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX  XXXX 4. XXXX XXXX XXXX 5. 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 non-monetary relief
Consumer complaint received 2022-06-09 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: HI

Complaint narrative:
There are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX BANK XXXX XXXX Balance Owed : {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: PA

Complaint narrative:
TransUnion knowingly used my information to solicit and put damages on my credit report. Dark pattern is the termed used and it's against the law. Thanks

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 2022-06-09 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: TX

Complaint narrative:
I found out my minor child have a credit with this company and I am requesting these items to be removed from my daughter profile and i want mailed proof of doing this first mistake they have her birthday as XX/XX/XXXX when my child birthday is XX/XX/XXXX which is she's only XXXX years old they have her same social security number as my minor child as well i am including my license showing i am the mother my child birth certificate and her social as well WITH MY RECENT BILL

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 2022-06-09 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: MO

Complaint narrative:
I applied for a new credit card at XXXX XXXX XXXX  and as I was viewing my credit report and I noticed alot of inquiries that I have never given written authorization or had no knowledge that these inquiries that had been made as I did not authorize them. I only authorized the XXXX XXXX Inquiry. 

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 2022-06-09 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: MO

Complaint narrative:
I applied for a new credit card at XXXX XXXX Bank and as I was viewing my credit report and I noticed alot of inquiries that I have never given written authorization or had no knowledge that these inquiries that had been made as I did not authorize them. I only authorized the 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 2022-06-09 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have an account of {$400.00} from XXXX XXXX thats reporting in my name and it was opened in my name fraudulently. It was opened XXXX, 2019 I also have an account from XXXX XXXX in the amount it {$4700.00} that was opened in my name fraudulently. 

I need these removed from credit report asap its hurting my ability to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I sent a letter to remove these personal information and inquiries that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these personal information and inquiries not later than XXXX business days. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX EMPLOYEE Date Updated : XX/XX/XXXXXXXX XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX XX/XX/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 2022-06-09 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: PA

Complaint narrative:
in accordance with the fair credit reporting act XXXX XXXX XXXX violated my rights 16 U.S.C 1681 602 [ A ] states I have the right to privacy.

16 U.S.C 1681 604 [ A ] section [ 2 ] it also states a consumer reporting agency can not furnish an account with permission or written instructions by consumer

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 2022-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
I have become a victim of identity theft and due to the recent breaches with XXXX and XXXX my credit card numbers used, people have taken utility bills out in my name as well as apartments in my credit have tanked. I keep seeing loan inquiries, bank inquiries and utility billing worries on my credit report and I need blocker put on there immediately to keep this mayhem from going any further. We have contacted the local authorities file reports as well as contacted the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a dispute in regards to inaccurate information being reported in my credit report. Below are the accounts in question : 1. XXXX XXXX XXXX 2. XXXX XXXX 3XXXX XXXX XXXXXXXX 4. XXXX XXXX XXXX 5. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a dispute in regards to inaccurate information being reported in my credit report. Below are the accounts in question : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2022-06-09 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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