vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-02 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: IL

Complaint narrative:
Hi I am submitting this 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 n 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 XXXX  XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: IL

Complaint narrative:
Hi I am submitting this 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 n 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.with no help.

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 2022-09-02 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: IL

Complaint narrative:
Hi I am submitting this 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 n 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.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Called Nelnet asking them for more information regarding letter that was sent to me XXXX XXXX. Manager informed me that it was for XXXX XXXX, I informed the Manager that I never attended that school. I then call student aid and student aid had not information on me about that school. When I looked the school up to call them to get information, the school was closed down due to Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this 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 n 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 XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc.
State: MO

Complaint narrative:
I was a cosigner on a lease for an international student for an apartment. He paid his rent diligently until he had a medical issue and had to be repatriated back to his home country. The school contacted the apartment management at the time, and his lease was terminated without fault. I found this debt on my credit report two years after the above events and have been trying to get it removed. I never received a bill or any attempt to collect the supposed debt. When I contacted the apartment complex management, they informed me that the property was sold to new management and they do not have any records of the previous arrangements I am describing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: DC

Complaint narrative:
I am closing on a home and I requested from Toyota a good status letter on Friday, XX/XX/2022 and was told I would receive it in 24 hours. I called Monday, XX/XX/2022 and was told that it take 24 to 48 hours and I should receive it by the end of day. I called again on XX/XX/2022 and was told by two customer service reps that they are escalating my matter and I will have the document by the close of business on Tuesday. I called again on XX/XX/2022 and was told that the form filled out was blank and they will submit a new request and have my document ready. I called again XX/XX/XXXX and XXXX and as of now still nothing. I had to move my closing date because of the inefficiencies of XXXX and I still not have received my good standing letter as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: CO

Complaint narrative:
! FRAUD ALERT! XXXX XXXX XXXX / XXXX account opened without my knowledge in XX/XX/2022. Noticed and disputed XX/XX/2022 Experian, XXXX and XXXX. Attempted to contact XXXX XXXX, XX/XX/2022 - Robo answering service is suspicious - requires input of personally identifying information with no option to speak with a live representative. Disputes have not resulted in the removal of this account from my credit report. I did not open this account. Identity theft. Do not extend new lines of credit.! FRAUD ALERT!

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 2022-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: MI

Complaint narrative:
I paid this debt to XXXX XXXX and have spend hours trying to remedy this with them. Their representative has told me that I made the final payment but they kept sending me the bill. I have asked multiple times to XXXX and now the debt collector for validation of the debt and for the transcript from my multiply conversion with XXXX to validate they said I made my last payment. All have been ignored. I have copied of the letters sent through certified mail to these companies. I originally sent the letter in XXXX and revived no response so I reasoned through certified mail in XXXX. I also emailed to figure out why they did not respond. They said that they did multiple times but the only thing I received was the original XXXX bill. They are refusing to remove this collection item.

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 2022-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
During the XXXX 2022 timeframe, I was scammed to invest in a mining pool and without my authorization, the full amount was transferred from my Coinbase  Wallet . The perpetrators asked me for more money, and I decided to report the situation to Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom it may concern, After careful review of my report and study of my rights as a consumer under FCRA, FRA, it has come to my attention that there are several inaccuracies within that need to be corrected immediately. 

The following account was a Charge-off. Balance should be XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 3.The Following Account Was A Charge-Of. Balance should be XXXX. XXXX Account Number : XXXX The Following Account Was A Charge-Of... 
* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 
Thank You, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02 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: GA

Complaint narrative:
To Whom it may concern, After careful review of my report and study of my rights as a consumer under FCRA, FRA, it has come to my attention that there are several inaccuracies within that need to be corrected immediately. 

The following account was a Charge-off. Balance should be XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 3.The Following Account Was A Charge-Of. Balance should be XXXX. XXXX Account Number : XXXX The Following Account Was A Charge-Of... 
* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 
Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late purpose.

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 2022-09-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: OCEANSIDE MORTGAGE COMPANY
State: SC

Complaint narrative:
Hello I did a forbearance from XX/XX/XXXX XXXX XXXX for Covid-related matters All dates of communication are listed below. 
Oceanside Mortgage Loan XXXX. XXXX Nearing the end of my forbearance. Oceanside reach out to me because I was then just starting a new job. I advised that I would go into my IRA and bring my mortgage current. The person I spoke with was adamant that no dont do that we will work with you on Loss mitigation and I told them I dont want youll try to take my house, I advised this server Al times and was promised no that is not what we will do. About a month later I received a letter from an attorney stating there was a foreclosure started on my home. I called Oceanside again and advised I ask them specifically because I did not want a foreclosure to lose my home. I asked why several times why would youll tell me no we will not do that and did it anyway costing me an additional XXXX XXXXXXXX in attorneys fees. I feel wronged in so many ways that I tried to avoid unnecessary fees and they went behind my back to file the foreclosure again which I tried to avoid. I had a XXXX in XXXX and I can not complete complicated paperwork and I told that lady that also. 
Loss mitigation XX/XX/XXXX foreclosure was closed XX/XX/XXXX start of the approval XXXX was advised no notes are on my account during XX/XX/XXXX LOSS mid XXXX LOSS mid XXXX Loss mid XXXX inbound XX/XX/XXXX inbound XXXX inbound XX/XX/XXXX inbound XX/XX/XXXX outbound XX/XX/XXXX outbound XXXX outbound XXXX outbound did not make through to me XX/XX/XXXX same as above XX/XX/XXXX inbound All the above dates are in XXXX I would like my fee back and yes I have been back on track paying early and extra each month as I advised earlier when all this started. Please help I feel discriminated against and wronged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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:
The credit bureau never did a proper " investigation '' according to the FCRA The item investigated consumer reporting means a consumer report portion thereof in which information on a consumer 's, chapter general, reputation personal characteristics, or mode of living is obtain through personal interviews with neighbors, friends, or associate associate of the consumer on or with others with whom he is acquainted or who may ha knowledge concerning any such items of information, They did not do this Also, they have violated my rights even more. 

In according with the fair credit report Act Everything has to be 100 % accurate on my credit report which is not. 
They also violated the law because according to 15 U.S.C 1681 section 602 A. States i have the right to privacy 15 U.S.C 1681 section 604 A. section 2 ; it also states a consumer reporting agency can not furniture and account without my written instructions. 

I did not give anybody written instruction XXXX XXXXXXXX ACCT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: NM

Complaint narrative:
am a XXXX XXXX American Veteran rated at XXXX XXXX In XXXX of XXXX I relocated from XXXX XXXX XXXX XXXX XXXX XXXX intending to purchase a home for retirement. Before relocating I had secured an apartment in XXXX XXXX  to live during my home search opting on " XXXX XXXX XXXX XXXX XXXX. '' located @ XXXX XXXX XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX, and signing a 13 month lease. In XXXX of XXXX I received a letter informing me that the property management at XXXX XXXX would be assumed by " XXXX XXXX XXXX XXXXXXXX '' aka XXXX. In XXXX of XXXX I closed sale on a New Home and vacated the XXXX XXXX promptly and on time on XX/XX/XXXX and after moving from XXXX XXXX I had monitored my online account with XXXX for over a month making my last attempt to log into the account I discovered that the account had been closed. Naturally this indicated to me that business was complete and without issue. On XXXX XX/XX/XXXX I received an email from XXXX XXXX stating that I owed {$310.00} and if not immediately payed would be referred to collections. I immediately contacted XXXX XXXX and arranged to meet with them and discuss the unexplained charge. I delivered to them all receipts as well as every contractual & financial transaction made between both property managements and myself. After refusing to view my personal records the XXXX XXXX associate informed me that she could not explain the discrepancy of {$310.00} and blaming the former management for the error. I explained that I would gladly pay the {$310.00} upon proof of it's authenticity. The XXXX XXXX associate then informed me that they would report back to their manager and would definitely contact me or call me back, but I was never contacted with any proof that I owed this debt. In XXXX of XXXX I received an letter from " XXXX XXXX '' located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX, Informing me that they had purchased the debt of {$310.00} from XXXX and was attempting to collect. As I write this, I have never had any direct correspondence with Hunter Warfield except for my request for a letter of validation. On Wednesday XX/XX/XXXX I received notification through my paid XXXX XXXX XXXX XXXX that my credit score changed from XXXX XXXX XXXX overnight due to this unverified debt. I have also learned while researching this claim that XXXX XXXX XXXX XXXX Apartments were yet again under new management with " XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: CrossCountry Mortgage LLC
State: MD

Complaint narrative:
I XXXX  a term regarding HELOC and sent the link with a definition to my husband. Somehow, a lender contacted my husband trying to make a sale. My husband stated " let me talk to my wife '' and ended the call. This lender, sent information to my husband regarding options and ran both of our credits on XX/XX/22. 

I have never spoken to this gentleman to give him permission and my husband did not give permission either. 

The persons name was XXXX XXXX ( Loan Officer ) with Cross Country Mortgage.

Company response to consumer: Closed with explanation