vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-20 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:
On XX/XX/XXXX according to USPS Certified Mail XXXX received a letter from ME regarding inaccurate and unknown items on my credit report. Embarking on 120 days later I have not received one word about the inaccurate items that I noted in the letters received by your company on XX/XX/2021. I feel like I'm being taken advantage of and ignored about my disputes. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 120 days soon. These items should be deleted promptly. I demand that these items are deleted immediately or I will file for litigation do to the stress this has caused me. My information was also compromised by the XXXX data breach and may have gotten into the hands of the wrong person. 

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year as well as preventing me from applying successfully to purchase a new home I sorely need. I need this problem fixed asap I will not wait another 120 days to receive a no response because clearly Im being ignored. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 120 days soon so they should be deleted promptly.

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 2022-01-20 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: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I noticed few inquires I don't recognize or authorized my information to be used.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: AZ

Complaint narrative:
I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ EMPLOYER : XXXX XXXX XXXX Inquiries : XXXX Date of Inquiry:XXXXXXXX XXXX Date of Inquiry:XXXXXXXX XXXX Date of Inquiry:XXXXXXXX XXXX Date of Inquiry:XXXXXXXXXXXX  XXXX Date of Inquiry:XXXXXXXX XXXX Date of Inquiry:XXXXXXXX XXXX  Date of Inquiry:XXXXXXXX  XXXX Date of Inquiry:XXXX XXXX Date of Inquiry:XXXX XXXX Date of Inquiry:XXXX XXXX Date of Inquiry:XXXX XXXX Date of Inquiry:XXXX XXXX Date of Inquiry:XXXX XXXX  Date of Inquiry:XXXX XXXX Date of InquiryXXXX XXXX Date of Inquiry:XXXX XXXX XXXX XXXX  Date of Inquiry:XXXX XXXX XXXXXXXX XXXX Date of Inquiry:XXXX XXXX XXXX XXXXXXXX Date of Inquiry:XXXX XXXX Date of Inquiry:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
I noticed an inquiry from XXXX-2021. I don't recognize this nor authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: ONLINE Information Services, Inc.
State: PA

Complaint narrative:
I have contacted the collection agency and they were unable to validate the debt, they have no written signature from me or any other agreement. I also contacted XXXX XXXX XXXX in XXXX and they did not remove the inaccurate information on my report. They were well past the validation date and they are not able to provide me with any validation via documentation. XXXX XXXX XXXX was supposed to removed the debt according to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am very upset about all these erroneous items that are reporting incorrectly on my credit report. These accounts are unverifiable, invalidated, inaccurate, & FCRA violations. If everything is not reporting 100 % accurately it must be removed. These inaccurate items on my report are causing me hardship, I can not get a vehicle or apartment for me and my kids. It is my understanding that you will do an investigation immediately & you will send me a new credit report that reflects the updated changes. According to law, unverifiable inaccurate accounts must be removed and if you are unable to provide me a copy of the verifiable proof in 15 days after your investigation you must remove the 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 2022-01-20 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: NY

Complaint narrative:
I am very upset about all these erroneous items that are reporting incorrectly on my credit report. These accounts are unverifiable, invalidated, inaccurate, & FCRA violations. If everything is not reporting 100 % accurately it must be removed. These inaccurate items on my report are causing me hardship, I can not get a vehicle or apartment for me and my kids. It is my understanding that you will do an investigation immediately & you will send me a new credit report that reflects the updated changes. According to law, unverifiable inaccurate accounts must be removed and if you are unable to provide me a copy of the verifiable proof in 15 days after your investigation you must remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This is a checking account opened by my mother in XXXX  and I was authorized user, this credit union has changed names and or closed and they have reported this account which we closed as a charge off with XXXX $ balance. this is reported incorrectly and there is zero balance and nothing is owed and should not be a charge off. I have tried to correct this through experian and the bank

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 2022-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX, I received a notification about a collection account on my credit reports. When I checked, there was a collection account on all three of my credit reports : XXXX, XXXX, and XXXX from " Credit Collection Services ''. They also go by the name " CCS Collections '' on my XXXX report. They claimed that the original creditor was XXXX, and it was for an auto insurance bill. When I called to ask them for proper validation of the debt, I was told that they would only provide information about which vehicles were insured and an invoice, but no copy of the original contract with XXXX and nothing with my signature on it. Even though I am not acknowledging that this debt is mine or accurate, I also asked for a " pay for deletion '', where I offered to pay Credit Collection Services, in return for them to delete this from all 3 of my reports, and they declined the offer. I again asked the representative for re-consideration of the matter because I am in the process of purchasing a home and the collection account is hurting my credit. The representative seemed rude and unconcerned and did not want to comply. I also checked the secretary of state website in Tennessee, and I did not see their collection company on the website. When I called and asked for their control number in order to be sure to find them, the representative told me that they did not have this information, but instead gave me a 2-digit license number ( XXXX ). It is my understanding that any company that attempts to conduct business in the state of TN must be registered with the secretary of state. Since " Credit Collection Services '' or " CCS Collections '' is not in the database, I am sure that they are in violation of some type of law and should not even be attempting to collect any debt in TN.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: AZ

Complaint narrative:
EXPERIAN BROKE THE LAW and is violating my rights as a federally protected consumer under 15 USC Chapter 41. I am a victim of identity theft and fraud. EXPERIAN furnished an account on my credit report that I did not give them written consent to do violating 15 USC 1681b ( 2 ) - this account is also fraudulent. I sent an Affidavit of Truth and attached a FTC Identity Theft Report. ( attached ) According to USPS tracking, the documents were received on XX/XX/2022. ( proof attached ) I received two emails from EXPERIAN XX/XX/2022 ( attached ). All that these emails stated was that they could not block the account I claimed fraudulent and identity theft because I did not give the correct information. They totally disregarded my affidavit. 

Under the laws of Commerce, an un-rebutted Affidavit stands as Truth. Therefore, my Affidavit sent stands as Truth and they are liable to compensate me for the violations they committed 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 non-monetary relief
Consumer complaint received 2022-01-20 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:
Hello, I recently reached out in writing regarding my consumer credit report from Equifax Consumer Solutions about unauthorized inquiries. I have not given ANYONE permission or consent to do so, as I have not applied for credit for a while with these companies. I am giving you as much information as I can to help you with this re-investigation demand so please feel free to utilize this information. 
According to section 604 FCRA, I would greatly appreciate if you would provide me for what is called a permissible purpose or proof that I applied or initiated these inquiries from each company listed. This poses great concern about my security and the privacy of my credit being at risk. If no proof or evidence with supporting documents is found, please delete these item ( s ) immediately.

If these inquiries are concluded to be originated online or by an internet source, please provide the IP address associated with the alleged inquiry.

I have also contacted the creditor ( s ) in question, and they claim they have no proof either, of each initiated inquiry, no written authorization documented, and each company has failed to provide me a permissible purpose or proof. Because the creditors in question could not provide proof of authorization whether written or verbal, I am asking that each alleged inquiry be deleted from my credit report of Equifax. The alleged inquiries are unproven, non-compliant, and unverified as there is absolutely no evidence or proof of my authorization of a permissible purpose. 
Section 604 states that a permissible purpose of Consumer Reports 15 U.S.C. 1681b ( a ) in Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Please read on ; section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Under 15 U.S.C. 1681i, paragraph ( 5 ) treatment of inaccurate or, unverifiable information ( A ) In general, If, after any reinvestigation under paragraph ( 1 ) of any information is found to be inaccurate, incomplete, or can not be verified the consumer and the reported agency shall ( i ) promptly be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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:
Hello, I recently reached out in writing regarding my consumer credit report from XXXX XXXX XXXX about unauthorized inquiries. I have not given ANYONE permission or consent to do so, as I have not applied for credit for a while with these companies. I am giving you as much information as I can to help you with this re-investigation demand so please feel free to utilize this information.

According to section 604 FCRA, I would greatly appreciate if you would provide me for what is called a permissible purpose or proof that I applied or initiated these inquiries from each company listed. This poses great concern about my security and the privacy of my credit being at risk. If no proof or evidence with supporting documents is found, please delete these item ( s ) immediately. 
If these inquiries are concluded to be originated online or by an internet source, please provide the IP address associated with the alleged inquiry. 
I have also contacted the creditor ( s ) in question, and they claim they have no proof either, of each initiated inquiry, no written authorization documented, and each company has failed to provide me a permissible purpose or proof. Because the creditors in question could not provide proof of authorization whether written or verbal, I am asking that each alleged inquiry be deleted from my credit report of XXXX. The alleged inquiries are unproven, non-compliant, and unverified as there is absolutely no evidence or proof of my authorization of a permissible purpose.

Section 604 states that a permissible purpose of Consumer Reports 15 U.S.C. 1681b ( a ) in Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Please read on ; section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Under 15 U.S.C. 1681i, paragraph ( 5 ) treatment of inaccurate or, unverifiable information ( A ) In general, If, after any reinvestigation under paragraph ( 1 ) of any information is found to be inaccurate, incomplete, or can not be verified the consumer and the reported agency shall ( i ) promptly be deleted.

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 2022-01-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I took out an XXXX loan and was paying XXXX back each for 6 months XX/XX/XXXX was my last payment and here is where the problem lies there interest rate was sooose to be 15 % wich I was fine with but when the last payment came out the charged me XXXX and I was wondering why I called them and they said all I was paying was interest and some sort of taxes on it because I was in the state of Texas so long story short I ended up pay almost XXXX dollars on an XXXX dollar loan this type of bissness practice is unexceptionable and is worng when I found out about this told them sto scrub my information off there system my loan was paid off to wich they replied that the couldnt completely Romove me form there system I told yes they could and in fact by law the had to because I asked

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rausch Sturm LLP
State: CO

Complaint narrative:
I received a notice on XX/XX/2021 that a Debt Collector is trying to collect a debt based on a judgement meaning I may have already been sued but I was not aware of it and was not given any communication about this debt nor options to pay this debt. 
I have only been given the info about a judgement and thats it.

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 2022-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: NC

Complaint narrative:
Hunter Warfield, Debt collector FL. 
Fraudulent debt collector and its agents never sent me any communication either through mail or email to validate the debt. 
It suddenly shows up on my credit report and they are not willing to take it off even though I have no information about this account. 
Hanging up on calls without providing valid information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I have had XXXX for my student loans for years. I contacted FAFSA ( Federal Student Aid ) and they told me to contact you. For years, I was unable to pay anything and they kept telling me to just go into forbearance. I did that for many years and now I am reading they did many wrong things to many people. Also, I have had these loans that I haven't paid much on and now due to all the interest ( forbearance seemed logical as they were the experts ), I owe XXXX XXXX dollars. I don't know if there is anything I can do about it but I feel they mislead me as all those years I probably could have paid a bit but they always pushed, " we can put you in forbearance. '' I don't know if anything can be done but this wasn't ethical-it simply seemed an easy way to just be rid of me and my concerns and fears. 

My email is XXXX and my phone number is XXXX XXXX XXXX. 
My name is XXXX XXXX Thank you for any assistance. 
I would like to lower my huge debt amount as I trusted them as my provider and now I have come to learn they mislead many people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: NJ

Complaint narrative:
My credit score with 03 credit bureaus agency XXXX, XXXX and Transunion don't grow enough Although I don't have any existing debts and my payment history on time since XXXX which I should have a better score than I currently has, I don't have any payment for credit cards or car loan that is late nor I owe money to any credit card or Mortgage company. 
all my previous old credit card since XXXX was settled in full therefore I'm disputing all the negative records on my credit profile, I never been contacted by any agency that I owe them money. 
my question is why my credit score never increase however I have great payment history.

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 2022-01-20 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: NJ

Complaint narrative:
My credit score with 03 credit bureaus agency XXXX, Equifax and XXXX don't grow enough Although I don't have any existing debts and my payment history on time since XXXX which I should have a better score than I currently has, I don't have any payment for credit cards or car loan that is late nor I owe money to any credit card or Mortgage company. 
all my previous old credit card since XXXX was settled in full therefore I'm disputing all the negative records on my credit profile, I never been contacted by any agency that I owe them money. 
my question is why my credit score never increase however I have great payment history.

Company response to consumer: Closed with explanation