vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-30 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: FL

Complaint narrative:
I'm filing a complaint to let Equifax know that LITIGATION IS PENDING if these items are not immediately removed. My attorney advised me that we can seek damages of {$1000.00} per violation, according to the FCRA. On XX/XX/2022 Equifax received a letter I sent regarding inaccurate and unknown items on my credit report. Over 30 days went by and I never received a response! I feel like I have been taken advantage of, and my disputes are being deliberately ignored. Section 611 ( a ), plainly states that failure to investigate these items within 30 days gives reason to immediately delete these items from my credit report! Clearly they violated my rights because 30 days went by with no response. These items need removed immediately or we will pursue litigation due to the immense stress Equifax has caused me, and their continual violation of my rights! Equifax also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ) - The credit bureaus are supposed to complete the investigation before the expiration of the period under Section 611 ( a ) ( 1 ). ACCOUNTS : XXXX Account # XXXX, has violated my rights. XXXX Account # XXXX, has violated my rights. XXXX Account XXXX XXXX, has violated my rights. XXXX Account # XXXX, has violated my rights. XXXX XXXX Account # XXXX, has violated my rights. XXXX XXXX Account # XXXX, has violated my rights. XXXX Account # XXXX, has violated my rights. ( ACCOUNT NAME NOT EVEN LISTED ) Account # XXXX, has violated my rights. I will attach the tracking number below, along with my dispute letter that I've sent to Equifax to try and rectify the situation, you can clearly see they have been violating my rights, and have failed to do a proper independent investigation as required per the FCRA. These accounts need deleted immediately. They didn't complete their investigation, or respond, within the 30 day period AS REQUIRED BY LAW! Also filing complaints with Attorney Generals Office, & XXXX. Tracking # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 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 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 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 2022-06-30 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 2022-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: CA

Complaint narrative:
I was trying to obtain a loan modification was the new loan servicer -- Selene Finance. They took over the service of the loan in XXXX of 2022. The prior servicer was XXXX. 

Selene Finance LP ATTN : Customer Service XXXX XXXX XXXX XXXX XXXX, PA XXXX I also have a trustee sale date on XX/XX/2022. So I have also requested information to eiher a reinstatement of a pay-off quote. The main issue I am having is their accouting. By my calculations, the alleged reinstatemt amount ( and all prior resinstatement letters ) appear to have miscalculations and are off by {$35000.00} to {$60000.00}! I have sent requests to clarify this alleged accounting errors, but I have not received a reply from Selene. 

And, the reply I received from XXXX made no sense. Below are some question I provided to Selene 's Customer Service Reseach department. If you follow the request for clarifications and the prior amounts allegedly due to the lender, you will see the problem I am having.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 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 non-monetary relief
Consumer complaint received 2022-06-30 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 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 non-monetary relief
Consumer complaint received 2022-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I recently received a notice on my credit report from " Radius Global solutions '' with the creditor being " XXXX ''. I can not get in touch with radius global solutions, and havent seen any paper bill from them. I had XXXX XXXX for about 4 weeks before I cancelled it because it was incredibly slow. Come to find out, the con-artist like sales person who sold me the plan told me i would get 100 mbps and be able to have 10 devices on the network actually sold me a plan that wasnt available in my area. The plan I actually got, was only 25 mbps, with only 6 devices allowed. XXXX credited back all of the unused days because i paid for the month in full, and she told me my balance was XXXX, and it was closed at that point as i no longer wanted their services. I never carried a balance on the account after that. This was taken care of 2 years ago, removed off my credit report in 2021, and now its coming back up because XXXX wont confirm with Radius Global Solutions that i do not owe it. They simply notate my account that i do not owe it, and then tell me that i have to take it up with Radius global solutions.

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 2022-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
some time around 2018 there a wall XXXX credit card that was sale to a company my the name Midland credit management i have been pay on this account for three year it should not have gone the collect department of midland credit because i was never late. this collect is on my XXXX  report why i do not no. two-month midland credit contact and ask could they take a payment out of my account on a month base. if i let do this would you remove this from my credit report and the guy said yes and i will give you a balance XXXX and not XXXX so therefore the balance be XXXX so went i check my credit report this Moring the balance was stilXXXX and that was wrong. so said to they Iam going to report ytou all to cfpb servicer. it should never be in collect anyway. and that the problem they purchase this from XXXX XXXXXXXX bank who purchase it from XXXX  and that was illegal therefore against the law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I received a loan from one main financial XX/XX/XXXX for XXXX. I have been paying on this loan for a year and were even sending extra payments, and have not seen any significant decrease in the amount of the balance.I spoke with a representative on XX/XX/XXXX she stayed my interest rate was 27 %. I currently have other loan with a higher interest rate and is able to see a difference in the balance. I would like to make sure the payments and extra money in which I am making are being distributed properly to my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 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: MN

Complaint narrative:
I previously filed a complaint with the CFPB about Equifax and they responded by saying that the information was verified, but they did not answer any questions as to who verified this information and where they got it from and this is the information I requested. My rights are being violated. I have this item on my report and it shouldn't be. In accordance with the Fair Credit Reporting act MN Child Support Enforce XXXX, has violated my rights. 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 furnish a account without my written instructions. This information needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: AR

Complaint narrative:
I have requested a written notification that was sent by certified mail on XX/XX/2022 disputing debt. I have requested ( I.Q. Data International services ) to provide me with verification of debt. However, I received an alert on XX/XX/2022 from all credit bureaus on a collection account on my credit report. I.Q. Data International has given me a date of XX/XX/2022 to dispute the debt. However, when I called I.Q. Data International and spoke with XXXX XXXX agent ) he was very rude and didn't attempt to research my request. According to XXXX the company does not see a dispute letter on file. However, I have proof that the letter was picked up from the post office on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 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: Action Collection Service
State: IN

Complaint narrative:
My consumer rights are being violated. I have contacted this company for debt validation and have also sent a notice to cease and desist of all illegal activities and communications. It has been well over 30 days, and I still haven't had a respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 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: FL

Complaint narrative:
I have attached an FTC report with 2 account and inquiries I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 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: FL

Complaint narrative:
I have attached an FTC report with 2 account and inquiries I did not authorize

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 2022-06-30 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As of today, I have been unable to access my credit report online. Historically, Transunion has indicated that if a dispute has been opened that online access is not available. 
I have attached a copy of the message error received today from XXXX portal that shows there are no open disputes since XX/XX/2022 and CFPB portal that indicated no dispute is open.

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 2022-06-30 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: OR

Complaint narrative:
i am a consumer by law my information was misused and now i have false and not one hundred percent accurate accounts on my credit report. i demand deletion of these items plus i demand monetary compensation for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-06-30 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: LA

Complaint narrative:
XX/XX/2022 XXXX XXXX please remove fraudulent/ unauthorized inquiry on my report or provide proof in writing within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 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: AR

Complaint narrative:
XXXX XXXX ( XXXX. XXXX ) has reported my account to credit bureaus as negative without adhering to written request of Verification of the debt. I requested the verification on XX/XX/2022 before the dispute date of XX/XX/2022. However, the debt appeared on my credit report on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX ( XXXX. XXXX ) has reported my account to credit bureaus as negative without adhering to written request of Verification of the debt. I requested the verification on XX/XX/2022 before the dispute date of XX/XX/2022. However, the debt appeared on my credit report on XX/XX/2022.

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