vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-15 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: GA

Complaint narrative:
I have been trying to get inquiries from unknow Companies corrected and removed sent to Credit Bureaus and to the companies as well Certified mail, both did respond back and there also unauthorized Inquiries on all three Credit Bureaus the Inquiries are listed below 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 XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian

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 2022-10-15 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:
The incorrect accounts was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance : {$28000.00} ; XXXX XXXX Balance : {$35000.00}

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 non-monetary relief
Consumer complaint received 2022-10-15 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:
The incorrect accounts was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance : {$28000.00} ; XXXX XXXX Balance : {$35000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: FL

Complaint narrative:
on XX/XX/2022 Certified Letter : SENT AND CONFIRM ( 1 ) XXXX ( 2 ) XXXX ( 3 ) XXXX 3 letters was sent each to different credit bureaus XXXX, XXXX XXXX TRANSUNION and before send multiple disputesI just received my investigation results. Being waiting for and I saw some accounts were verified. However, how is that possible if the open dates is inaccurate, the date last active is inaccurate and date last report is inaccurate this investigation was executed an very inaccurate way I have a few questions : how do you complete your investigation? Did you talk to my neighbors, friends, family? If so, please inform me of the person who completed the investigation. One more thing, i was reading the FCRA and noticed you violated these laws as well : This ground for removal ALSO I HAVE ONLY TWO ADDRESS AND ONLY ONE NAME : XXXX XXXX XXXX ( 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) ( Delete this account immediately, unless you want to pay {$1000.00} per violation ) I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

the law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

i haven't given these accounts written permission to furnish these accounts on my credit report. 

1. Account XXXX : XXXX Account XXXX : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 2. Account XXXX : XXXX Account XXXX : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 3. Account XXXX : XXXX Account XXXX : XXXX 4. Account XXXX : XXXX Account XXXX : XXXX 5. Account XXXX : XXXX Account XXXX : XXXX 6. Account XXXX : XXXX XXXX Account XXXX 7. Account XXXX : XXXX XXXX Account XXXX : XXXX 8. Account Name : XXXX XXXX Account Number : XXXX XXXX Name : XXXX Account Number : XXXX 10.Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 11.Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account XXXX 12. Account XXXX : XXXX XXXX XXXX Account 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 2022-10-15 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: CA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$22000.00} ; XXXX XXXX XXXX XX/XX/2022 ; XXXXXXXX XXXX XXXX Balance : {$22000.00} ; XXXX XXXX XXXXnquiry Date XX/XX/2022

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 2022-10-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
On XX/XX/2022 I asked in writing for validation of debt & rights to collect on debt in Georgia, Ive also advise company I didnt give them permission to report any information or my consumer report. I requested dispute information, company has failed to validate debt within the allot amount of time. Collection company has ran my credit illegally, updates debt in an erroneous manner. Do so wish to file a formal complaint on debt collect company. Ive ask company to cease & desist on fraudulent information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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:
I received an alert from the credit monitoring company that lowered my credit score. The alert was from a collection agency stating that I owed {$1500.00} to XXXX. I do not have nor have I had a XXXX account. The collection agency is XXXX XXXX XXXXXXXX at XXXX. They are located at XXXX XXXX XXXX XXXX, XXXX, CT XXXX. I tried to call them to resolve the issue but my call was never answered. Since then, I contacted my credit monitoring company to report the incident. They suggested that I file a thief ID affidavit form.

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 2022-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$22000.00} ; XXXX XXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX Balance : {$22000.00} ; XXXX XXXX Inquiry Date XX/XX/2022

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 2022-10-15 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: CA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$22000.00} ; XXXX XXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX Balance : {$22000.00} ; XXXX XXXX Inquiry Date XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
Due to a COVID hardship, I requested a deferment on my mortgage. This began XXXX of XXXX. I was notified by XXXX XXXX XXXX Dovenmuele Mortgage XXXX XXXX of XXXX that my deferment had expired and I needed to begin making payments. Which I did at the end of XX/XX/XXXX. They stated that once I made three payments in a row, they would send me a partial claim packet that I would need to fill out, have notarized, and once they received my packet, they would reinstatement my loan. They stated that HUD would pay half of my arrears and the remainder would be added to the end of my loan. 
I expected this packet in XXXX of XXXX but it has yet to come. Since then, Ive been in constant contact with XXXX XXXX XXXXDovenmuehle XXXX asking for the status of my reinstatement/ partial claim packet and I can not seem to get a straight answer. I keep getting different responses such as, I do see you are approved for a partial claim, you should be getting a packet anytime. And I dont see anything in my system. I will escalate your case to management and someone will get back to you. I am now calling everyday and no one is helping me. Ive been in touch with FHA for help and they mentioned they are going to investigate the matter but they were told that the packet has been sent to me, so FHA closed my complaint. Still no packet has arrived and its been a month and a half now since my contact with FHA. 

I am getting certified letters from The Wolf Firm notifying me that I am now in foreclosure even though I have been making my payments since XXXX of XXXX. I can not even get a straight answer as to where my XXXX payments are being applied and where the money actually is. Some XXXX XXXX agents have told me that I am 26 months behind but its been 28 months currently since my deferment started but it has not been 26 months that I have not made a payment. 

Recently, an agent finally provided me with an email for Loss Mitigation so Ive been emailing my requests to them to no avail. I have never received a response. 

Im getting letters, occasionally from Right start ( duplicates ) on the same exact day or letters that are dated months ago and Im just now getting them.

I am getting harassed by tele-marketers wanting to capitalize on my foreclosure. They are even contacting my kids and family using scare tactics. I am not sleeping, I am stressed and sick. 
I cant even focus on my work. 

I need someone to help me please. I am doing everything I can to remedy this situation and I have been making payments. I will be homeless soon if this doesnt get situated. I am not running away or hiding. Ive been facing this and have been taking days off from work to be on the phone for days at a time and it shouldnt have to be this way. I would greatly appreciate your help. 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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:
There are multiple " hard inquiries '' on my TransUnion Consumer Credit Report that are erronious and/or fraudulent. Specifically, this complaint is regarding the following " hard inquiries '' that I have previously and repeatedly requested be removed from my consumer credit report. They are as follows : XXXX XXXX ( XX/XX/XXXX ) : This was a hard inquiry from a company called XXXX XXXX  that I did not authorize. Both my wife and I received said inquiry. Unfortunately, our identities were both stolen in early XXXX and we suspect that this inquiry was attempted by the perpetrator. XXXX XXXX provided us a letter, dated XX/XX/XXXX, which indicated that the company agreed to have the inquiry removed from our consumer credit reports. Said letter was forwarded to TransUnion on XX/XX/XXXX. However, nearly XXXX months later, TransUnion has failed to remove the inquiry. 

XXXX XXXX  XXXX XXXX XX/XX/XXXX and XX/XX/XXXX ) : We do not recognize these inquiries and suspect that they were done fraudulently as well. I sent a letter to the company at the address provided to inquire about this. Both letters were sent back to me as " Undeliverable as addressed ''. Since the inquiry can not be verified and the company is unreachable, the inquiry ought to be removed in compliance with the Fair Credit Reporting Act ( FCRA ). My wife XXXX XXXX XXXX / XXXX ) and I both sent letters with a copy of the returned letters in early XXXX. TransUnion failed to remove the inquiry and did not respond to us.

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 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I contacted Capital One on numerous occasions letting them know the Credit Card belongs to my Ex Roommate XXXX XXXX XXXX and needs to be removed from my Credit Card account and transferred to him. XXXX XXXX has chosen to ignore my requests time and time again. I contacted XXXX XXXX last year XX/XX/XXXX and continued to contact them every month thereafter until XXXX of XXXX. I'm not responsible for his continued use of this card. He knows he is to pay it off and destroy the card, however, he chooses to ignore this advise/direction and continues to NOT pay what's owed & continues to use the card. The limit amount is {$3000.00} and he keeps charging NOT paying until he again several times exceeds the card limit. I am the victim of identity theft from XXXX XXXX XXXX XXXX. XXXX just won't stop using the XXXX XXXX card & refuses to pay the card off knowing full well it goes against my credit score/history and not his.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I had a couple transactions that I couldn't postpone draft from my account on XXXX  XX/XX/XXXX, the day after a national holiday so my payroll was deposited Wednesday instead of Tuesday. I tried to have the transactions held off a day but was informed that the ACH is sent 3 days in advance to the bank so they can honor it on the date it's for and they have no way of stopping it, which seems Neanderthal in this day and age. Technology, especially regarding finances, should always be real time. So then I could only deal with my bank about the charges. The bank previously told me ( on another occasion ) as long as they were covered by XXXX the next business day, I would not be charged the overdraft fees through their " Peace of Mind '' program. My payroll deposited the next day, and I switched out the remaining money into my other bank account to cover some bills. An XXXX subscription then came out for {$10.00} and overdrafted my account by {$10.00} and I didn't see it until the NEXT day. My fees did not get refunded so I contacted the bank and they then told me because my account was overdrawn by {$10.00} from a NEW transaction, not the ones that were covered by the XXXX XXXX XXXX program which I already paid IN FULL, that I wouldn't be refunded anything. The new transaction had nothing to do with the other fees and it was {$10.00} that could've been deposited had they notified me. I find this predatory and extremely unfair that I should have to lose {$170.00} in fees which they promised me because of an unrelated {$10.00} charge that would've been covered either by a deposit or the {$170.00} in fees they were supposed to refund me. These banks do not tell you any of these technicalities - as a matter of fact, I don't even recall being told about the XXXX XXXX XXXX through any notification or literature, other than what reps tell me when I call to complain. It literally is like they just play with my money and add all these rules and stipulations as they go along. I was never sent anything, signed off on anything, and the last time they told me they were holding my funds, I complained about it and they sent me a " resolution '' that had nothing to do with why I complained. So they take my money at will and then to appease the CFPB or OCC, they respond with some corporate answer that isn't even related to my complaint in the first place. Money literally is necessary for life and as a consumer, I find it extremely disheartening that the government allows banks to charge people excessive fees at will, in the wake of the largest pandemic of this millennia, affecting God knows how many others besides me. You've got ta be kidding me!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-15 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: GA

Complaint narrative:
I have been trying to get information from this company about unknow account. I have never heard of this company or open up any account with this company. I sent Certified mail to this company and all three to all three Credit Bureau XXXX, XXXX and Trans Union. XXXX and XXXX remove both unknow accounts from there reports after investing the problem. Trans Union have not done anything at all no letters no emails or calls. The collection Company is XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX and XXXX XXXX XXXX XXXX XXXX. this company is reporting on my credit report like recently on up an account. it's been a couple years now and they have sent not single document no response at all making up account open dates all kind of illegal things, on my credit report both don't have a account number that's crazy and illegal

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