vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-09 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:
Dear TRANUNION : I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for XXXX XXXX XXXX XXXX XXXX was placed within my credit file in XXXX, 2018. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon TRANUNION to follow the law : Either provide documentation that the law was followed by contacting XXXX  XXXX XXXX XXXX XXXX at once, or remove this offending inquiry as soon as possible. They put 83 credit inquires on my credit

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 2019-07-09 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: FL

Complaint narrative:
I have incorrect personal information in TransUnion, my Name is XXXX XXXX as You can see on my driver license and work authorization. Please fix this problem as soon as possible.

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 2019-07-09 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: LEXISNEXIS
State: WI

Complaint narrative:
I never authorized LexisNexis to obtain my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: CORELOGIC INC
State: WA

Complaint narrative:
CORELOGIC CREDCO LLC hard inquired my credit report that I do not recognize or authorize. I called the number mentioned in the report to enquire about the same but they are asking my credit card number to validate my identity which I feel not legitimate. 

Below is the information that I found on experian account, please check and help me on this. 






CORELOGIC CREDCO LLC Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Real Estate on behalf of XXXX. This inquiry is scheduled to continue on record until XX/XX/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 2019-07-09 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: Navient Solutions, LLC.
State: MD

Complaint narrative:
Once I realized in mid XXXX that my 4 accounts were reduced to 3 accounts with Navient student loan company, i contacted them. First i was told it was still 4 accounts and that I am not due to pay any amount since my loans are on administrative for forbearance. Same year, I got a credit score report with my score plunging down due to derogatory reports from Navient that one out of four loans was in charge off/collection. I started to make numerous phone calls, send emails and postal mails with dates. 

I would stay long hours on the phone to resolve the issue, I even disputed credit reports through the credit unions all to no avail. My credit score continues to be affected by this monthly derogatory report and am not able to qualify for any credits whatsoever because of it. 

I made many calls requesting that my one account gets moved back to the current accounts like my 3 other accounts. I sent so many emails until they stopped accepting emails from me and I would get undeliverable messages from Navient. I do not know who else to go to and what else to do. Legal actions do take time and money so I was advised to file a complaint through this website. 

The last time I tried to solve this was Friday XX/XX/XXXX on or around XXXX. I spoke with XXXX XXXX then XXXX XXXX, then XXXX XXXX who went through all the payments and determined that the error was made in the manner they split my payment.

I always made one consolidated payment for my 4 student loan accounts that is sending only one payment. According to XXXX, she determined from her search that at sometime in XXXX of XXXX they made the mistake and missed one account when they were crediting all 4 accounts. 

According to XXXX, she said that in XXXX, they reported the account since it was in collection/charge off to credit reporting agency. XXXX finally indicated that this can be fixed since she is able to locate the reason and it can only be done by customer service. XXXX XXXX then transferred me to customer service escalation team rep XXXX XXXX to fix the problem. XXXX said she will contact the necessary departments and get it resolved by pulling it out from collection/charge off. 

I have continued to be in contact with Navient staffs and no matter the promises I got that it will be fixed, it was never done. I plead that you help me resolve this as my credit score has been bad for years because of this monthly reports. In addition to these derogatory reports, the loan amount continues to increase. I even sort an attorney to discuss this, after the attorney reviewed all the files I sent to him, he wrote them and was on the phone with me and them in XX/XX/XXXX when they said it will be resolved by customer service escalation team, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
In XXXX of 2017 I purchased a car from XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, WI XXXX I applied for credit - but did NOT authorize them to check several lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX, we initiated a credit dispute through " Chase 's Credit Dispute '' process. 
The amount disputed was {$150.00}. 

Chase representatives ( multiple individuals ) within the process failed to " read or thoroughly identify/investigate the dispute facts ''. We sent 6 emails to the department for the dispute process followed by unnecessary and tedious phone calls they initiated in opposition to actually reading the information sent. We sent photos and copies of email correspondence between buyer and seller. We finally sent a highly delineated hardcopy letter to Chase on XXXX, identifying the initial problem again and underscoring that Chase was failing to actually READ the informational facts surrounding the alleged investigation on their part and furthermore as " clients '' we were unclear as to both delay in resolution and the delineation of the " amounts charged and credited '' historically on this purchase. We further indicated that UNTIL THIS WAS CLARIFIED we had no intention of closing the matter on our end. 

Following this letter/request on XXXX, we received an update via USPS in direct opposition to our formal request to be notified by " email '' indicating that we requested to be notified by mail. The reason that this last information is relevant is that it indicates the lack of attention and it was also following an unauthorized credit or charge back to the original company in dispute = {$90.00} ; which is unaccounted for by any mailing. 

Sufficed to say - We have exhausted our ability to deal with Chase because this is not the only occurrence of their " failure to perform in accordance with their agreement. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: NV

Complaint narrative:
i tried to modify my loan to have my mortgage payments lowered my mortgage comapny refuses to lower my mortgage payment even though i send them all the details hardship about my hardship and they continue to refuse modifying my loan to make my mortgage payment lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Nelson Cruz & Associates LLC
State: TN

Complaint narrative:
On XX/XX/XXXX I was called by a creditor Nelson Cruz and Associate they claimed I owed XXXX XXXX XXXX XXXX {$12000.00} from XXXX thru XXXX ... I never had a credit card with XXXX or applied for credit with them ... On XX/XX/XXXX I called XXXX XXXX XXXX XXXX and spoke in someone in customer service along Security and Fraud Dept. I gave them my personal info SS #, DOB, address and they did not have me in there records.. 
I called XXXX, XXXX  and XXXX I ordered my credit report and XXXX XXXX XXXXXXXX XXXX XXXX not on my credit report ... 
Nelson Cruz and Associate will not give me the bill from XXXX XXXX instead they want to settle for {$4000.00} over the phone, They continue to harass me with threats, arrest, lawsuit, vehicle repossession, wage garnishments ect.. 
Here are the name and phone.. 

Nelson Cruz and Associate XXXX XXXX XXXX. XXXX, Tx XXXX phone XXXX or XXXX 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: PNC Bank N.A.
State: WI

Complaint narrative:
In XXXX of 2017 I purchased a car from XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, WI XXXX I applied for credit - but did NOT authorize them to check several lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: GA

Complaint narrative:
Only disputed one account which is XXXX XXXX XXXX not my account. As Equifax requested, I sent a request to the creditor XXXX XXXX XXXX via 3 certified mail and no response or verification of account from the creditor : XXXX ; XXXX ; and XXXX. Last letter sent creditor refused to sign for letter. XXXX and XXXX have deleted account after creditor fail to validate account. Sent new certified letters today to creditor XXXX and 2nd letter Equifax. XXXX. Requesting monetary value of $ XXXX from Equifax for value of reporting account as it is damaging my reputation. Will seek damages from company also.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: TX

Complaint narrative:
Dear Equifax : I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for was placed within my credit file in XXXX, 2018. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon Equifax to follow the law : Either provide documentation that the law was followed by contacting at once, or remove this offending inquiry as soon as possible.i sent these letter to these credit bureaus and i never get a responds and their no way. I can run my credit report 80 to 90 times making me not get anything and i keep dispute things on their and they never respond and when i call they tell me i got all my answer wrong i have medical issues and i cant be dealing with this head ache i have a XXXX XXXX XXXX and it very stress knowing these people messing up my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Ive REACH OUT TO EXPERIAN SEVERAL DIFFERENT TIMES ON THIS MATTER OVER THE PHONE AND I ALSO SEND COPY OF MY CORRECT INFORMATION AND STILL NOTHING BEEN DONE. IT BEEN 3 MONTH AT THE LEAST AND EVERY TIME I CALL IN I GET THE RUN AROUND. I DO I HAVE EXPERIAN MEMBERSHIP WITH THEM SO I AM ABLE TO VIEW MY CREDIT REPORT ON A DAILY BASIC. THE INFORMATION THAT IS INCORRECT IS MY EXPERIAN CREDIT REPORT IS MY LAST NAME WHICH THEY DONT LIST MY WHOLE LAST NAME BUT PARTS OF IT. IVE CALLED IN AND EXPLAIN TO THEM AND THEY STATE THAT ON MY CREDIT REPORT IT SHOWS MY FULL LAST NAME BUT WHEN I EXPLAIN TO THEM ON MY PERSONAL SUMMARY ON MY CREDIT REPORT IT SHOWS MY NAME AS FOLLOW XXXX XXXX XXXX WELL THAT NOT MY LAST NAME AT ALL. MY LAST NAME IS XXXX MY FULL NAME IS XXXX XXXX XXXX OR IT CAN BE XXXX XXXX XXXX  XXXX BUT THEY ARE MISSING THE XXXX ON MY LAST NAME WHICH IN TURN I DO HAVE A MEMBERSHIP WHICH IS MY MEMBERSHIP NUMBER IS XXXX WHICH I WAS TOLD THAT THE ONLINE PART HAS MY INFORMATION INCORRECT WELL IF THAT THE CASE CAN THEY UPDATE THAT INFORMATION. I CANT EVEN DO A 3 BUREAU TO SEE WHAT IS ON MY OTHER CREDIT REPORT WITH EXPERIAN DO TO THE FACT MY NAME DOES NOT MATCH ON ANY OF MY OTHER CREDIT REPORTS.

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 2019-07-09 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Only disputed one account which is Synchrony/ Lowes as not my account. As XXXX requested, I sent a request to the creditor Synchrony Bank/ Lowes via 3 certified mail and no response or verification of account from the creditor : XXXX ; XXXX ; and XXXX. Last letter sent creditor refused to sign for letter. XXXX  and XXXX   have deleted account after creditor fail to validate account. Sent new certified letters today to creditor XXXX and 2nd letter XXXX. XXXX. Requesting monetary value of $ XXXX from XXXX for value of reporting account as it is damaging my reputation. Will seek damages from company also.

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 2019-07-09 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, PLEASE REMOVE THE DEROGATORY ACCOUNT OFF MY CREDIT FILE FOR I AM NOT LIABLE TO THOSE ACCOUNT. PLEASE REINVESTIGATE YOUR CREDIT REPORTING AND CORRECT YOUR REPORT FOR THOSE ACCOUNT WERE INACCURATELY PLACED ON MY FILE.

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 2019-07-09 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: FL

Complaint narrative:
EQUIFAX CREDIT BUREAU IS REPORTING TWO NEGATIVE ACCOUNTS FROM XXXX XXXX XXXX AND XXXX XXXX BUT I PAID AS AGREED.I HAVE PROOF FROM EQUIFAX CREDIT REPORT HOW CAN IT BE A NEGATIVE ACCOUNT IF I PAID AS AGREED?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo confirmed to me that my savings account was closed over a year ago. Yesterday ( XX/XX/19 ), I received what I'm assuming was an automated account activity summary for activity on my account from XX/XX/2019. It listed a {$0.00} beginning monthly balance ( which would be correct, had I not closed the account months ago ), with a withdrawal and later deposit, both for {$2.00}. 

I am deeply concerned that Wells Fargo is continuing their prior practice of maintaining a ghost account with my name on it, and conducting minor deposits and withdrawals for the purposes of inflating their number of active accounts. 

I have the statement that was sent to me ( the only communication I've received since closing my accounts ), and can provide that if needed.

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 2019-07-09 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: TX

Complaint narrative:
XXXX data breach showing inaccurate information not know to me best of my knowledge ftc, hippa and fcra violations

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 2019-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
I dont have an account a contract with Enhanced Recovery nor XXXX XXXX. They are calling relatives and disclosing my personal information to third parties. This is also on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: IL

Complaint narrative:
I requested my credit report from Equifax on XX/XX/2019. I saw that there was negative information reported by XXXX XXXX XXXX in the file that Equifax maintains under my Social Security Number.  Upon reviewing that copy of my credit report, I saw an entry listing an account was charged off {$790.00}. I wrote and certified mailed a letter to Equifax challenging the accuracy, compliance and reportability of this listing. I ask them to please validate that information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. I requested in the absence of any such documentation bearing my signature, I formally requested tthat the information be immediately deleted from the credit file they maintain under my Social Security Number. I also stated that I do not consent to XXXX  or any means of automated verification. 
They replied back XXXX XXXXr XXXX " Verified '' that the account they are reporting under my name is accurate. I then on XXXX XXXX certified mailed another letter to Equifax Requesting that the description of the procedure used to determine the accuracy and completeness of the information was being requested, to be provided within 15 days of the completion of their re-investigation. Additionally, to please provide the name, address and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. And that any automated response or XXXX  verification is unacceptable. I requested a re-investigation and their method of verification. They did not reply back in 30 days so on XX/XX/2019 I sent a third certified mail letter letting them know that by not repying in a timely manner to my initial letter they not only violated federal law, but they had failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. And I have evidence via certified mail receipts, so they must remove the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX my credit score went down XXXX points as XXXX XXXX XXXX XXXX reported there was 30 day late payment which was an error. The car was a loss and was paid in full along with the monthly payments which were paid on time. I tried filing a dispute online with Equifax and was provided a number to call. When I called they asked for a credit report ID # which I don't have. Please ask Equifax to research why my credit score went down XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX data breach showing inaccurate information not know to me best of my knowledge ftc, hippa and fcra violations

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