vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-26 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: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I mailed physical copies of my original bankruptcy filing to Experian, XXXX, and XXXX to demonstrate that they were reporting an inaccurate date and that the ten-year period is expired. Specifically, the Chapter XXXX bankruptcy filed in XXXX relates back to the XXXX Chapter XXXX bankruptcy that I filed but was dismissed without prejudice due to my hospitalization and health issues shortly after filing. Therefore, I requested that the bankruptcy be removed from each of my credit reports. 

1. XXXX promptly removed the bankruptcy 2. XXXX reported the bankruptcy as " verified '' 3. Experian had the temerity to respond that their information ( likely from XXXX ) was correct. In other words, their privately harvested data is more accurate than a federal court order ( uploaded herewith ) I am filing suit in federal district court tomorrow. The number of inaccuracies, aside from the bankruptcy issue, combined with the number and frequency of inaccurate reporting by these agencies across the nation creates and perpetuates systemic economic disenfranchisement that disproportionately impacts people of 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 2021-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
I had XXXX  XXXX, send for Title for car, from Santander USA, In XX/XX/2021. I called and talked to them on several occasions, from XX/XX/2021, Until this Day, when I requested again by Santander Email Address. This is XX/XX/2021. This car is just sitting, and rusting, because I can't get the Title, To get tags. They been lying saying Mdmva, didn't have an address. Only a XXXX XXXX XXXX Then They said it got lost in the mail. So can you Please Help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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: MA

Complaint narrative:
On XX/XX/2021, Creditor Contact : Not Available add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency and Credit Reporting Agency Name is violating my rights as a consumer and I'm requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have filed disputes with Transunion about the information thats being furnished on my report without my consent as well as the negative reporting that has caused damage to my life and living circumstances. I am aware that this bureau is in violation of 15 USC 1681 ( a ) ( 4 ) - Infringed upon a Consumers right to privacy as well as 15 USC 1681b ( a ) ( 2 ) - No Permissible Purpose/No written instruction

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 2021-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I mailed physical copies of my original bankruptcy filing to XXXX, Equifax, and XXXX to demonstrate that they were reporting an inaccurate date and that the ten-year period is expired. Specifically, the Chapter XXXX bankruptcy filed in XXXX relates back to the XXXX Chapter XXXX bankruptcy that I filed but was dismissed without prejudice due to my XXXX and XXXX issues shortly after filing. Therefore, I requested that the bankruptcy be removed from each of my credit reports. 

1. XXXX promptly removed the bankruptcy 2. Equifax reported the bankruptcy as " verified '' XXXX. XXXX had the temerity to respond that their information ( likely from XXXX ) was correct. In other words, their privately harvested data is more accurate than a federal court order ( uploaded herewith ) I am filing suit in federal district court tomorrow. The number of inaccuracies, aside from the bankruptcy issue, combined with the number and frequency of inaccurate reporting by these agencies across the nation creates and perpetuates systemic economic disenfranchisement that disproportionately impacts people of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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: GA

Complaint narrative:
Equifax shows ALL the SAME disputed information DESPITE the evidence I provided here, also via certified mail, also online uploading directly to Equifax THEY NEVER LOOKED AT ANY DOCUMENTS AND BANK STATEMENTS and they continue taking the sane false information from the sane furnisher again and again. ALL THE FALSE INFORMATION REMAINS ON MY EQUFAX CREDIT REPORT VIOLATING MY FCRA RIGHTS Equifax responded that it will use the same false unlawful information from the same furnisher instead of looking at my bank statements and looking at my credit report, SEEING THAT XXXX FURNISHES UNDULY UNLAWFUL INFORMATION ON MY ACCOUNT, and then properly deleting XXXX from my credit file in accordance with CFRA. 

Equifax has NEVER done what they are OBLIGATED to do and REMOVE XXXX FROM MY CREDIT FILE due to XXXX reporting inaccurate, false, unduly, unlawful, and unfair DAMAGING information on my credit file. 

Instead of looking at ALL the proof I sent and deleting XXXX  unlawful reporting, Equifax tells me it will obtain the same false information from the same furnisher. 

This behavior is ILLEGAL. 

Equifax has REPEATEDLY dismissed my disputes about XXXX XXXX XXXX stating REPEATEDLY exactly what they just stated in their response HERE. They take WRONG UNLAWFUL INFORMATION from the same furnisher and they keep it on my account VIOLATING MY FCRA RIGHTS. 

The inaccurate, false, unduly, unlawful XXXX reporting must IMMEDIATELY be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
Closed on new home XX/XX/2020 with XXXX XXXX  and attorney. Mortgage XXXX Made payments to XXXX XXXX  until I was notified that my loan had been sold. 
I made a total of XXXX payments to XXXX XXXX  for XXXX, XXXX total {$1600.00} on XX/XX/2020. 
On XX/XX/2020 I began paying SLS {$800.00}. 
The first payment they received they put in a hold account without notification to me. 
On XX/XX/XXXX they applied 199 % of the {$800.00} to the principle on the mortgage because they said I never directed them as to where to apply the funds ( didn't know the funds where in a hold acct ) Now they are trying to increase my monthly mortgage payment under the guise that I do not have enough money in my escrow account. 
I would note that my taxes and insurance are included. 
Taxes increased XXXX and Insurance increase by {$190.00} per year which would justify a {$1600.00} increase IF MY ACCOUNT WAS SHORT! 
I have spoken to numerous customer service agents who told me " there was nothing they could do '' to " I will have the money transferred '' and you will be all set. 
In XXXX a CSR told me to pay XXXX and when the money transfers back I should be caught up. So I paid an additional {$110.00}. 
It still has not been resolved and as of today they are starting to charge me late fee 's and talking to me like I'm a dead beat.

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 2021-09-26 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: NY

Complaint narrative:
I wrote to you requesting an investigation into items that I believed were wrong I have not received a reply from them or any acknowledgment that an investigation has begun.

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 2021-09-26 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: GA

Complaint narrative:
on XX/XX/2021 I sent a letter about inaccurate & unknown items that are listed on my credit report. I initially received a letter saying the accounts are accurate and have been verified. Despite three written requests after, the unverified items still remain on my credit report in violation of Federal Law. The bureaus are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of the bureau 's first investigation and subsequent reinvestigation, they stated in writing that they verified that these items are being reported correctly? Who verified these accounts? No one has provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, the bureaus have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA the bureaus are required to ... promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XXXX, attorney, collection agency add a derogatory mark on my credit report per XXXX  XXXX. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency and Credit reporting agency Name are violating my rights as a consumer and I'm requesting legal action to remove this account immediately

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 2021-09-26 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: TX

Complaint narrative:
I disputed this company by the name of XXXX XXXX with the credit bureaus ( ( TRANSUNION, XXXX, AND XXXX ) and which all of them were deemed as verified I have asked them multiple times to provide me with original documentation that would solidify their reasoning in deeming the account as verified, they have yet to do so, which leads me to believe their investigations was improper and incomplete.

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 2021-09-26 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: TX

Complaint narrative:
I disputed this company by the name of XXXX XXXX with the credit bureaus ( ( XXXX, EQUIFAX, AND XXXX ) and which all of them were deemed as verified I have asked them multiple times to provide me with original documentation that would solidify their reasoning in deeming the account as verified, they have yet to do so, which leads me to believe their investigations was improper and incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
XXXX XXXX XXXX CEO of EXETER FINANCE CORPORATION filed a California Secretary of State CERTIFICATE OF SURRENDER ( XXXX ) XX/XX/XXXX ; signed by corporate officer XXXX XXXX. The date XXXX XXXX XXXX CEO of EXETER FINANCE CORP. fraudulently assigned themselves to this null and void contract was XX/XX/XXXX according the consumer reports gathered from XXXX, XXXX and XXXX that violates a cease and desist ( continued reporting is communication and a violation of cease and desist that they fully accepted, acknowledged and is binding ). XXXX XXXX XXXX CEO of EXETER FINANCE CORP. surrendered their rights and authority to transact interstate business in the state of California. XXXX XXXX XXXX CEO of EXETER FINANCE CORP. revoked their designation of agent for service of process in California. XXXX XXXX XXXX CEO of EXETER FINANCE CORP. is attempting to force me to collude with their illegal business activities. XXXX XXXX XXXX CEO of EXETER FINANCE CORP. is using abusive debt collection practices and is causing me injury. After doing a UCC 11 Search with the Secretary of State of California, no liens or legal debts exist for XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CEO of EXETER FINANCE CORP. pursuant to 15 U.S.C . 1635 this is an official document to exercise my right of rescission, Nunc Pro Tunc for any contract, transaction, information, and my signatures associated with this account. Thank you and XXXX Bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I wrote to you requesting an investigation into items that I believed were wrong I have not received a reply from them or any acknowledgment that an investigation has begun.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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: CA

Complaint narrative:
First and foremost, my last name is a single letter XXXX. My birth certificate, social security card, passport, California drivers license, business license, all have my last name correct. Experian, whom I have sent numerous letters and provided supporting documents, asking that they correct my name. And every time they send me back a packet asking for the information I provided when I sent them the letters. There is no one I can resolve this issue with, because they have no live person to speak with on the phone. They are reporting incorrect information. I have applied to rent a few apartments, and have beeb denied. Because they report back to have them company verify my ID, because the last name they have on file is XXXX. Which is false. If my government issued documents are able to be processed with one letter, I don't see why they can not. Not only that but I have been denied with a lending/flooring company because they could not run my Experian. So I am now forced to put XXXX and explain why my drivers license and the information I furnished dont match. And to make matters worse, when a company is able to run met experian report, it continues to show an a derogatory account that I disputed last year. The results were they would have it deleted, but that's not the case. It is still there. Can they just report correct information, especially if they are going to have my social security number tied to 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 non-monetary relief
Consumer complaint received 2021-09-26 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: FL

Complaint narrative:
I have filed disputes with XXXX about the information thats being furnished on my report without my consent as well as the negative reporting that has caused damage to my life and living circumstances. I am aware that this bureau is in violation of 15 USC 1681 ( a ) ( 4 ) - Infringed upon a Consumers right to privacy as well as 15 USC 1681b ( a ) ( 2 ) - No Permissible Purpose/No written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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: FL

Complaint narrative:
I have filed disputes with XXXX about the information thats being furnished on my report without my consent as well as the negative reporting that has caused damage to my life and living circumstances. I am aware that this bureau is in violation of 15 USC 1681 ( a ) ( 4 ) - Infringed upon a Consumers right to privacy as well as 15 USC 1681b ( a ) ( 2 ) - No Permissible Purpose/No written instruction

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 2021-09-26 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: MD

Complaint narrative:
I wrote to you requesting an investigation into items that I believed were INNACCURATE I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.

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 2021-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I wrote to you requesting an investigation into items that I believed were INNACCURATE I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.

Company response to consumer: Closed with explanation