vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-21 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: FL

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank 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 explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX is a SCAM! I submitted a complaint outlining false reporting around the date a Best Buy credit card account was opened. They responded admitting the account was opened in XXXX and went delinquent in XXXX but because they purchased the debt in XXXX that is why they listed the account being opened. THIS IS FRAUD. When they bought the debt has nothing to do with how old the debt is. They are doing this so they can restart the clock on my credit report and have longer to collect. It is predatory! The age of the debt being accurate on a credit report is important! Newer debts have more impact on overall credit score. It needs to be reported accurately. This is so criminal. They are also claiming they cant control what the credit report agency shows which is also untrue hence it being illegal to report false information. Are they accusing XXXX XXXX of lying? Well if so THEY should file a suit against the credit reporting services for misrepresenting their data but that is not what is happening. Please this is predatory and I expect the government to do the right thing and hold XXXX XXXX  responsible. Claiming the debt was opened in XXXX because they sent a letter to me informing me of the debt that had already existed for years is insane. Im not going to let this go!

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 2022-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Terrill Outsourcing Group
State: AR

Complaint narrative:
On XX/XX/XXXX I received a phone call from a collection agency stating they now own a debt that was once owned by XXXX XXXX XXXX XXXX XXXX XXXX XXXX on an account opened XX/XX/XXXX. The company that contacted me was Supulative RM. During this phone call, I told the representative I was unaware of this debt being sold and asked them to send me a verification of debt. A verification of debt letter was written and sent to them later that afternoon asking for specific information. Superlative responded with a copy of statments from XXXX XXXX. Though this is part of the information requested, it wasn't all of the information requested to prove the debt. In my letter I requested information in occordinance to information provided to me from the Consumer Financial Proctetion Bureau including topics : Why they think I owe the debt, The amount and age of the debt and their athority to collect this debt. I reside in Arkansas and under the laws in Arkansas any debt collector who is attempting to collect a dept must hold a license in Arkansas, neither of the listed companies above hold that or have not provided any proof that they hold athority to infact collect on this debt. XXXX XX/XX/XXXX will be 30 days since I have requested this information and have not had any contact from them regarding this issue. Also, The XXXX XXXX XXXX still reports to my credit as owning the debt, when they infact sold it to a new company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MARINER FINANCE, LLC
State: AL

Complaint narrative:
I received written papers from the department XXXX XXXX asking for for collection on a loan I know nothing about

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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:
I have attached letters that show all errors or fraudulent accounts appearing 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 non-monetary relief
Consumer complaint received 2022-03-21 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: IL

Complaint narrative:
i just received my credit report and noticed strange occurrences that have been going on with my profile. Someone have been applying for things in my name that i am not responsible for

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 2022-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XX/XX/2022 is well it all started... 

Not sure of the exact dates but : -someone opened a credit card/ checking account under a name similar to mine. 
-My credit card was hacked ( XXXX ) -XXXX account was hacked -XXXX  was hacked I have things for ( which I don't have a clue what they are ) : 1. XXXX 2. XXXX 3. 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 explanation
Consumer complaint received 2022-03-21 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: LA

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2022-03-21 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: LA

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-21 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: Penn Credit Corporation
State: VA

Complaint narrative:
This debt was identity theft. I spoke with the reps serval times about this matter from XXXX XXXX. A rep also told me this bill was paid. I asked why its still on my report??? I was supposed to receive checklist and email me as well but never did. I told them that I never lived at the address that was on the bill as well. They told to do a police report, XXXX removed the debt but its still reporting on XXXX and XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: IL

Complaint narrative:
On XX/XX/2022, I sent Transunion a letter requesting that they disclose the method used to retrieve/verify an alleged bankruptcy on my credit report. This was not a dispute but a request to verify the method ; however, Transunion initiated a dispute for this item. 

On XX/XX/2022, Transunion responded noting that the name and person used to verify the bankruptcy was XXXX XXXX XXXX Illinois. 

On XX/XX/2022, I responded to Transunion noting that I went directly to the Bankruptcy Court and in response to my inquiry they claim to have never verified this item with Transunion as they do not report or verify such information. This would mean this bankruptcy is by law considered UNVERIFIED. 

On XX/XX/2022, Transunion responded stating that they've completed the investigation and the dispute item is verified as accurate. 

Transunion has failed to disclose the method used to verify the alleged bankruptcy considering the courts do not verify this information.

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 2022-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
My mortgage servicer was recently changed to Mr. Cooper. I did not choose this company. I was paying my mortgage on biweekly payment plan with my original loan servicer, when Mr. Cooper bought my mortgage. They promised everything would stay the same. They are demanding I pay upfront two months in advance my mortgage payments just so I can go back on Bi-weekly payments. I was paying them fine before, I am ot sure why I have to pay twice my monthly mortgage payments before I get back on this service I had with my previous servicer. I have called them 3 different times and I have been told different things, despite this. I have sent in the information requested to start the process, with no answer or confirmation they received my information. When I call to check in, then they tell me specific dates, but prior to my " application for biweekly payment '' no one stated any dates that had to be met. 

Customer service is atrocious, rude, no one seems to have the correct answer as I have been misled. I think it is egregious that I have to make 2 months payment in advance only to be able to get on bi-weekly payment " as a security measure '' ive been told. This is crazy. When I get put on hold, they wait, come check in pretend they cant hear me and continue to put me on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
XXXX is reporting late payments every month on a close collection account i reported this account to CFPB last year and the collection responded that this account was closed.. I disputed this account numerous time they are still reporting late payments every months and up dating the balance XXXX deleted this account but Experian does not want to delete this inaccurate account that is in violation to the CFPB. 

Company name XXXX XXXX XXXX XXXX number 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 2022-03-21 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: GA

Complaint narrative:
This investigation process has gone longer than 30days and is causing a great deal of financial distress for my family and I.

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 2022-03-21 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: GA

Complaint narrative:
This investigation process has gone longer than 30days and is causing a great deal of financial distress for my family and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I believe equifax did not read complaint XXXX because their response had nothing to do in regards to my complaint they gave a computed response as if my complaint was about inaccuracies but equifax is instead giving me a hard time to give me my credit file I even gave a state issues identification but their disregard to even read and accurately reply is huge red flag to me as a consumer. I did everything in good faith and this company is starting to show fraudulent behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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:
Equifax failed to conduct a reasonable investigation into my account. ( Dispute Confirmation Number : XXXX ) In accordance with the Fair Credit Report Act everything should be XXXX percent accurate on my credit report with all three bureaus. 

The credit bureaus have responded to my disputes stating that my accounts have been properly investigated and verified when they have not been investigated or verified at all. They could not have been properly verified or investigated due to, incorrect opening dates reported, date last reported inaccuracies, dates last active inaccuracies, as well as last payment dates that are completely frivolous. Also, in violation of section 623 not all of the accounts that I have disputed, notates " consumer disputes account ''. This is grounds for removal, and my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: LEXISNEXIS
State: GA

Complaint narrative:
Please HELP! 

I have been trying to reach someone at LexisNexis for a month now. I have send certified mail with a return confirmation receipt and yet to receive it. I have asked where did they get my public information from they have yet to provide me with a response. I have mailed them a letter from the courts stating that the XXXX XXXX  XXXX  does not report to the credit bureau. I have mailed them a letter stating that I never gave them any consent to report any of my information and yet to receive any help. To report a item on a consumer credit report you have to have consent. LexisNexis has yet to provide me with any type of documentation where I authorize my concern to report anything to the XXXX major credit bureau. It really unlawful how they continue to report a public record that I never gave them permission to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Hello good afternoon, I had a predatory lending auto loan with Santander Consumer USA in XXXX. I financed a vehicle in XXXX with Santander, the terms of the loan were 22.94 % interest rate at a monthly payment of {$800.00} and {$27000.00} for interest, the full pay off amount for the vehicle at the time was {$63000.00} on a XXXX vehicle. The account defaulted and vehicle was repossessed because I was unable to make such high large payments due to my job lay off. However on XX/XX/XXXX, I settled the balance in full on the account with a collections agency who had taken over the account. Per my findings, the account is still being reported in a collections/charge-off status on all three ( 3 ) of my credit reports ( XXXX, XXXX and XXXX ) Santander has refused to remove the account even after settling in full. They have advised I would need to wait 7-10 years to remove this negative remark off of my credit even after settling the account in full. Santander intentionally put me in this predatory lending loan, my monthly income on the Santander Finance application was falsified. Santander put {$6000.00} as my monthly income as I only made about {$13000.00} which was reported on my tax return for the year of XXXX. They have not provided any solution or resolution to address this matter even after paying Santander thousands of dollars to settle the account.

Company response to consumer: Closed with explanation