vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-18 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: OK

Complaint narrative:
I have several credit inquires on my XXXX, XXXX and Equifax that I didn't authorize at all! I have sent several disputes to XXXX, XXXX and Equifax however nothing as been done! I need these removed asap per the law! I have litigation pending for all 3 credit companies regarding this. I also need ALL PERSONAL STATEMENTS REMOVED FROM MY XXXX, XXXX and EQUIFAX REPORT INCLUDING FRAUD ALERTS. AGAIN, I NEED ALL PERSONAL STATEMENTS REMOVED INCLUDING FRAUD ALERTS. I have resolved all of these matters and don't need them anymore! 

Creditor Name Date of inquiry Credit Bureau XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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:
I'm having issues with XXXX, Transunion, XXXX they pretend to investigate your case on your behalf & do nothing! I sent out a letter to the company on XX/XX/2022 to inform them to correct my account & later they pretend to verify the account which they did not with this student loan company. I called the Dept Of Ed XXXX they did not have any information on my account because they so-called transferred the account to XXXX which I called also & no information is coming up in their system for me meaning there's no proof that I have this account I also sent the company a letter to validate my account with the original document & Dept Of Ed XXXX ignore me, XXXX keeps on dropping my score for no reason it has not even been 30 days like they claim. XXXX pretends to investigate & doesn't do anything. I have things that are on my credit report the statute of limitation expired on this account they leave it there!! also, I pay all my credit cards down but somehow they still show I have a large balance which is incorrect!! They also pretend they can not process your information because they can not identify who you are when you sent in your picture ID, SS card #, address, they do this to delay the process of processing your claim or investigating the claim they want to keep you at a low credit score, I have documentation I sent the companies paperwork & paid certified mail.

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 2022-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I have been receiving calls from this number ( XXXX ) for a while just ignoring it yesterday was the last straw. This company called me back to back to back on XX/XX/22 for a total of 11 times between XXXX and XXXX. This is clearly a violation of fdcpa rules. I called the number back it stated Southwest Credit systems. I do not have an account with these people or never signed a contract with them. I have never spoke to them I only dialed the number to get the company name. They need to be fined and I need to be compensated for the violation and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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:
I HAVE NEW INFORMATION FOR CASE XXXX It has come to my attention to me the natural person/ consumer XXXX XXXX XXXX rights have been violated by EXPERIAN ONCE AGAIN according to the fair credit reporting act by reporting act 15 USC 1681 B ( 2 ) Permissible Purposes of Consumer Reports I Did not give Experian permissible purposes!!! 

- bankruptcy My credit report should only be filled with written instructions from ME ( the consumer to whom it relates ) 1. ) I Did not give Experian permissible purposes to report any Bankruptcy 2. ) This bankruptcy was NOT Ordered by a court to REPORT ON MY Report as Ive already attached the letter from the bankruptcy court that they DO NOT REPORT TO CRAS!

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 2022-02-18 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: GA

Complaint narrative:
The investigation into ( Account info Account name XXXX XXXX Account numberXXXX ) took more than 4 months. I have the right to an investigation into the accuracy of this account. 

The notice was sent by mail XX/XX/XXXX of XXXX. Misplacing this notice is not an excuse. 

verifying information from a 3rd party is not an investigation! I have the right to a proper investigation into this account. I need signed documents, and all accounting transactions in my name!

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 2022-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Perry Law Office, P.C.
State: IL

Complaint narrative:
In XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, by way of their attorney XXXX XXXX XXXX XXXX., attorney XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, filed a small claims case against me. At that time, my name was XXXX XXXX. I have since married and my name is now XXXX XXXX. The case number is XXXX out of the Small Claims Division of XXXX XXXX, XXXX  XXXX city oXXXX XXXX XXXX ). XXXX XXXX claims to have served me by way of the Sheriff in XXXX at an XXXX  address that I never lived at and don't recognize. I moved from XXXX  to XXXX, XXXX  in XXXX and lived in XXXX  until XXXX, when I moved to XXXX, XXXX. See attached law school transcripts, which show that I was a full-time law student in XXXX, XXXX  from XXXX to XXXX. 

Recently, I saw on the court 's electronic docket that attorney XXXX sent garnishment interrogatories to my employer ( attached below ). Attorney XXXX has never registered the judgment in XXXX XXXX ( XXXX  ) and presumably knows ( or should know as he has been licensed since XXXX ) that the judgment is not enforceable here until it's domesticated. He is attempting to secure confidential and sensitive information about me to which he is not entitled.The only reason for sending the interrogatories to my employer would be to harrass and embarrass me, as he can't collect based on any info he gathers. Further, the interrogatories were allegedly mailed to me at a very old address in XXXX  rather my current address in XXXX, which attorney XXXX has as he has sent correspondence to me at this address before. How could I work in XXXX  yet live in XXXX  at the same time? It doesn't take a lawyer to figure out that doesn't make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: TX

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-02-18 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 have had ongoing issues with the Office of the Attorney General of Texas correctly processing my payments in a timely manor. I have repeatedly tried to contact my local office and have requested multiple calls back, and e-mails but have had no one contact me to resolve the issue. Due to the OAGs office not correctly crediting my account, it was reported that I was delinquent on child support in the months of XXXX, XXXX, and XXXX to the credit bureaus. This was completely untrue. I then reached out to the reporting agencies to attempt to repair my credit, but have been denied by Experian. I supplied Experian with documentation showing all the support payments that were made, corresponding withdrawals, check stubs with deductions so there is no reason that my claim should have been denied.

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 2022-02-18 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: TX

Complaint narrative:
Ive had unauthorized and unknown hard and soft pulls on all three of the major bureaus. Ive opted out of the third party vendors ( XXXX XXXX ), but continue to receive unsolicited mail and emails. Ive tried to dispute several incorrect and non related items on all three of my reports, with some information not being removed and some being verified without any explanation, for example, my name being spelled different or having my first name as my last name as well.

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 2022-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Accounts & Advisers, Inc.
State: WI

Complaint narrative:
In XXXX I noticed a negative mark on my credit report from this company. The original creditor was listed as XXXX XXXXXXXXXXXX XXXX XXXX a medical provider. I already paid them directly. I sent a letter to XXXX  with a copy of the check XXXX XXXX XXXX XXXX cashed. I didn't hear anything else. The mark on my reports was marked as PAID, even though I paid the original creditor. They didn't remove the entire file. 

Today I received an alert from XXXX that XXXX  re-opened the previously closed ( PAID ) account and added a new {$36.00} charge. I have not received any bill or letter from XXXX  OR XXXX XXXX XXXX XXXX. I have previously disputed the validity of this debt. They are in clear violation of the FCRA. I have requested that this mark be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: Block, Inc.
State: FL

Complaint narrative:
XXXX has got into all my other XXXX accounts he's going to deactivated my bandlab made out of Masters just trying to get all my stuff off of XXXX he's trying to steal my music so that means you're going to be getting all my royalties he's messing with my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX everything.. hes trying to take all my music he's trying to take everything I have

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: MI

Complaint narrative:
these inquires was unathorized as someone have stolen my idenity documents are attached to this complaint ....

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 2022-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
Company is Chrysler Capital LLC. Auto loan taken out for new XXXX  XX/XX/XXXX, not being reported to any credit reports. Here we are XXXX yr later, still not on my reports. Have contacted Chrysler Capital executives and been lied to multiple times. The XXXX time being XX/XX/XXXX, it's currently the end of XX/XX/XXXX. They promise me each time I call, that the info is being reported but it's not. It never is. They give me audit numbers and everything but it NEVER appears on any of my credit reports and it's sad because my scores would be so much higher if this were accurate. I can not obtain a loan or mortgage with ethical rated because my credit score is too low, despite the fact that I've been keeping a mortgage worthy high interest payment under and in time for years without issue... so sad. Bankruptcy was filed and discharged ( NOT RELATED TO XXXX! ) XXXX or XXXX of XXXX. XXXX was purchased months AFTER discharge, so why is Chrysler suppressing my act info?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I received unsolicited debit card and checkbooks from TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: NJ

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: NJ

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I reached out to XXXX XXXX XXXX on XX/XX/XXXX to ask about COVID-related mortgage forbearance options. They immediately notified me that they were transferring to another loan servicer effective XX/XX/XXXX. However, I require forbearance starting on XX/XX/XXXX, so they are essentially ensuring that I will be late on my mortgage payment before I can request forbearance. 

In addition, on my first scheduled closing, the underwriter, based off a visual analysis of the appraiser 's photos, required a {$23000.00} escrow holdback as security for the completion of additional siding and installation of an external staircase. This resulted in a very stressful delay in closing that almost collapsed the deal. However, more importantly, the appraiser herself, in response to the underwriter, stated that there already was siding on the house that was present and that the stair work was not necessary. The underwriter ignored the appraiser and required the holdback anyway. 

I reached out to the lender to notify them of the fact that siding was already installed and asked if I could instead install an accessibility ramp or external lift, as I am XXXX and occasionally have trouble going up stairs. However, they refused. I believe that they are discriminating against me on the basis of my 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 2022-02-18 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: VA

Complaint narrative:
I sent this FTC Report over to these Companies a on XX/XX/22 I havent heard anything yet

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