vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-27 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: LEXISNEXIS
State: CA

Complaint narrative:
Re : Consumer number XXXX and XXXX Case Number XXXX and XXXX Several months ago, I contacted LexisNexis Consumer center asking them to provide me a physical copy of my consumer report. Lexis Nexis provided me the information needed to access my report online. I do not have frequent access to a computer. I explained that in a previous letter to them. In XX/XX/2021, I received a letter from Lexis Nexis asking for copies of my Drivers license, social security card, and a utility bill. I provided said information. On today XX/XX/2021, I received a letter like THE PREVIOUS LETTER OF HOW TO ACCESS MY CONSUMER INFORMATION. As I stated before, I do not have frequent access to a computer ; my nearest XXXX or such store is over 15 miles from my house. I am not sure why Lexis Nexis is refusing to provide me a copy of my consumer information in the US mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequoia Financial Services
State: CA

Complaint narrative:
There is a creditor Seq Fin Services putting medical bills not belonging to me at all but by my husband who i am and was seperated from and had no knowledge of this debt or its occurance. Suddenly The company sequoia put the debt under my credit bureau despite me telling them i am not the debtor they didnt care and said they will collect the money from me instead.. I am not the owner of the debt at all. I reported this to XXXX  XXXX failed to get proof of this debt not belonging to me and failed to remove this from my credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: FL

Complaint narrative:
I filed 2 complaints against Equifax using this platform. Complaint # XXXX XXXX. I receive a letter in the mail today from Equifax claiming they can not investigate this claim because they have no idea which report I am referring to. They claim I need to call them and give them more information.I attached a copy of my credit report from Equifaxes website. I clearly mention the companies name that I have the dispute with XXXX XXXX XXXX. There is only one account on my credit report with XXXX XXXX XXXX on it. The report and other documentation I supplied is from Equifax. They are telling a lie and trying to get out of taking responsibility for knowingly allowing a company to report false information. There is no way they can not know what company I am talking about. Look at the files I uploaded on those complaints. Its abundantly clear which company I am referring to.The documents I submitted are from Equifaxes own site so how can they not know which company I an referring to. LOOk at the attached document. It clearly says XXXX XXXX. It is also clearly from Equifaxes on site. It has Equifaxes name on it, my name and XXXX name on it. It is impossible for Equifax to not know which company I am referring to. The attached documents are the same ones I attached with the 2 above complaints. First Equifax claimed they could not investigate because I did not supply my account number. They know I have no access to my account number. They know that no where on my account page does my account number display. They need to quit playing games and answer my complaints. See attached screen shots. Nowhere on my account is an account number displayed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: MO

Complaint narrative:
I submitted a complaint with the cfpb on XX/XX/2021. On that date I had advised that I pulled my credit report on XX/XX/2021 because Im in the process of purchasing a home and as my lender was going over my report I have notice SEVERAL inquiries not belonging to me. I sent all 3 credit bureaus ( Experian, XXXX  and XXXX  ) a unauthorized credit inquiries removal with all of the INACCURATE inquiries that needed to be removed. I advised them that I have reached out to the companies in question and they advised that they had no information regarding who I was or any information regarding how they obtained my credit information. They advised me that it was NOTHING that they could do because they have no available account information or information how the inquiries were obtain and needed to reach out to the 3 bureaus that is reporting the information. It took them all 3 bureaus less than 30 days to advised that the information received is going to maintain on my credit report for 2 years with no proof of my name or any signature after me asking for proof of such claim. There has been no resolution. I have also sent a letter from a company advising that the inquiry was in due to fraud and they did not open up an account. The bureaus have yet to RESPOND. Now I am wanting to file another complaint so that I can move forward with the home buying process. Thank you. 
Best Regards, 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 2021-07-27 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: OH

Complaint narrative:
I started disputing a discount card that my ex-husband has signed and I was a co-signer since XXXX. Equifax had asked me to provide the application of " XXXX XXXX that my Ex- husband has signed, my divorce decree. I sent these item to them on XX/XX/XXXX. I did not receive a feedback from them. I spoke to someone on XX/XX/XXXX at XXXX XXXX I asked for an update, He told me they removed the disputed credit off their systems. ( XXXX & XXXX  had already did the same. ) The agent told me I have no item in collection with Equifax. 

Few days later I checked my Equifax credit, I saw the collection in the report. I called Equifax again on XXXX XXXX at XXXXXXXX XXXX, agent told me the item in collection is still active. I am somewhat discouraged because I feel I m going nowhere because of these Mix messages from different services representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: IL

Complaint narrative:
Unauthorized use of my credit report. I currently have 2 major issues with Equifax Consumer Services ( credit bureau ) One issue is XXXX XXXX, the second issue is XXXX XXXX XXXX  I have been disputing this XXXX XXXX account with Equifax since XX/XX/2021. Equifax keeps telling me that the account is verified. Equifax has not shown me any verification methods, all it says is " verified ''. I submitted yet another dispute XX/XX/2021, demanding Equifax to prove how they verified the account with XXXX XXXX. I called Equifax XX/XX/2021 and spoke with three different representatives, XXXX, XXXX and XXXX, I asked how do the verify accounts. They said, they only report what is reported to them. Equifax said when we dispute an item on our report, they ask the creditor to verify the account and when the creditor verify that information, they tell Equifax it is " verified '' and Equifax marks it as Verified on their end. Equifax said the do not partake in the verification process. 
Next issue is 5 collections from XXXX XXXX XXXX were reported in XX/XX/2021. The balance on these collections were {$340.00}, {$860.00}, {$1600.00}, {$1700.00}, and {$1800.00}. I disputed these collections and all 5 were removed in XX/XX/2021. In XX/XX/2021, all XXXX collections were reinserted by Equifax and all 5 collections now have a balance of {$0.00}. I logged into myequifax.com, to review all of my credit reports from Equifax, and my XX/XX/2021 credit report is missing. I called Equifax and spoke with 3 different people about this issue XX/XX/2021. I expressed to these 3 people, XXXX, XXXX and XXXX, multiple laws they were breaking and the number of violations they were in. I told them I did not validate the debt with XXXX XXXX and I did not validate the debt with XXXX XXXX XXXX  and they need to be removed until I validate them. XXXX kept ignoring my request to NOT submit another dispute, he started another dispute and asked if there was anything else I wanted to add to the dispute and he hung up on me when I asked to be transferred to another representative. All three representatives I spoke to said that there was no trace of the 5 collections being on my credit report prior to XXXX, no indication of the 5 collections ever being on my report or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XX/XX/2021 XXXX XXXX Monday evening. I received my Credit Bureau report in the mail from TransUnion as well as a documentation from XXXX  with them both saying my name wrong. My name is XXXX XXXX XXXX XXXX XXXX but for some reason they continue to send me things back to my home with my name wrong so I'm continuously going to be in contact with you because it seems like this is being done on purpose. Also I see that there is a collections through XXXX XXXX which is XXXX for the amount of {$320.00} I do not and I feel like this is fraudulent I want this to be deleted off my credit bureau report on TransUnion. This is not been my first time reporting this information about XXXX. Also I noticed that there is a multitude of inquiries that I did not perform and I will like them to be removed from my credit report. Also I noticed that there are telephone numbers on my credit report I would like them all to be deleted and I do not want any phone numbers on my credit report. This movie to my current address XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Nevada XXXX XX/XX/2021 I have had to change my phone number five times because of identity theft issues from criminals who continuously think my home is there home every time I leave and then even have the nerve to take my phone number and put it to their records as if it's their home number and no one lives in my home but me. Also I received in the mail a letter from XXXX XXXX stating that I requested my information to be mailed to me instead of having it online which is a lie. I have continuously ask XXXX XXXX to forward my stolen brokerage mutual funds account numbers to me because they are stolen and have been stolen every since I built them as an employee what day yet continue to play with me and my current address with these criminals using my identity still. Now they're getting ready to start sending statements and whatever they've been doing to my home when I asked them not to I don't even want them to know my current phone number I do not call XXXX XXXX  I have changed my email address I have blocked the email address that they have on their I do not have any dealings with XXXX XXXX whatsoever.

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 2021-07-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: IN

Complaint narrative:
I recently applied for Public Service Loan Forgiveness and have been employed in the public sector with the same employer for over 10 years. I have always paid my loans via auto-pay through my old servicer, XXXX XXXX. 

Today ( XX/XX/XXXX ), I was able to see the number of payments that qualified towards the program. For some reason, starting in XXXX FedLoan stopped counting my payments as being qualified to the program. FedLoan stated they will investigate my situation, but it will take 6 months to a year to complete it ( via phone XX/XX/XXXX ). I contacted my old servicer and they indicated I made no late payments ( via phone XX/XX/XXXX ). I also have autopay records going back to my first payment. 
FedLoan has announced they will stop being a servicer before the early end of that time frame quoted for their investigation, so I am stuck in a long-term limbo.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XX/XX/XXXX I tried calling synchrony bank, but no one ever answers, plus they use the gimmick of a recording to repeat that your on hold, when in reality you can be there for hours and never get an actual person to pick up. On XX/XX/XXXX tried it again, no answered. I went on XXXX XXXX to see the reviews and what I found was scary. If Id had known care credit was this bad I would not have even signed for a card from them. They always take theyre payment off late even though I paid 3 days early, then I get a late charge fee of XXXX bucks, then I found out they opted me in for a security fee charge when I never gave them permission or my authorization to opt me into anything and thats another whopping {$39.00}. Then recently XX/XX/XXXX I got locked out of my own account so now I cant even see my balance and again, trying to get someone on the phone is XXXX near impossible. Its funny cause on my credit reports it shows I paid synchrony bank on time and never had a late payment, but care credit, or synchrony bank says Im late even though I payed them early. Plus the interests sur-charges? I mean i already paid a lot of money toward them, and in the end of it all, instead of paying back what I owe which was {$2500.00}, in the end Im paying almost XXXX XXXX dollars or more. They got me locked in so tight and they are screwing me over left and right and Im now left in a hard spot. And the estimate payoff is a whopping 13 or more years. Ill be paying this card till Im 30 something years old.

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 monetary relief
Consumer complaint received 2021-07-27 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: MO

Complaint narrative:
I submitted a complaint with the cfpb on XX/XX/2021. On that date I had advised that I pulled my credit report on XX/XX/2021 because Im in the process of purchasing a home and as my lender was going over my report I have notice SEVERAL inquiries not belonging to me. I sent all 3 credit bureaus ( XX/XX/XXXX, TransUnion and XX/XX/XXXX) a unauthorized credit inquiries removal with all of the INACCURATE inquiries that needed to be removed. I advised them that I have reached out to the companies in question and they advised that they had no information regarding who I was or any information regarding how they obtained my credit information. They advised me that it was NOTHING that they could do because they have no available account information or information how the inquiries were obtain and needed to reach out to the 3 bureaus that is reporting the information. It took them all 3 bureaus less than 30 days to advised that the information received is going to maintain on my credit report for 2 years with no proof of my name or any signature after me asking for proof of such claim. There has been no resolution. I have also sent a letter from a company advising that the inquiry was in due to fraud and they did not open up an account. The bureaus have yet to RESPOND. Now I am wanting to file another complaint so that I can move forward with the home buying process. Thank you. 
Best Regards, 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 explanation
Consumer complaint received 2021-07-27 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: MO

Complaint narrative:
I submitted a complaint with the cfpb on XX/XX/2021. On that date I had advised that I pulled my credit report on XX/XX/2021 because Im in the process of purchasing a home and as my lender was going over my report I have notice SEVERAL inquiries not belonging to me. I sent all 3 credit bureaus ( XXXX XXXX and Equifax ) a unauthorized credit inquiries removal with all of the INACCURATE inquiries that needed to be removed. I advised them that I have reached out to the companies in question and they advised that they had no information regarding who I was or any information regarding how they obtained my credit information. They advised me that it was NOTHING that they could do because they have no available account information or information how the inquiries were obtain and needed to reach out to the 3 bureaus that is reporting the information. It took them all 3 bureaus less than 30 days to advised that the information received is going to maintain on my credit report for 2 years with no proof of my name or any signature after me asking for proof of such claim. There has been no resolution. I have also sent a letter from a company advising that the inquiry was in due to fraud and they did not open up an account. The bureaus have yet to RESPOND. Now I am wanting to file another complaint so that I can move forward with the home buying process. Thank you. 
Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NJ XXXX XX/XX/XXXX To : Trans Union Supervisor, Legal Department XXXX XXXX XXXX XXXX, IL XXXX VIA U.S.P.S. CERTIFIED MAIL/RETURN RECEIPT REQUESTED Re : Failure to conduct a reinvestigation ; request for damages under the FCRA To Transunion, On XXXX XXXX, I mailed you a letter disputing inaccurate and past the stature of limitation information contained in consumer reports compiled, maintained, and published by you allegedly concerning regarding the following XXXX  XXXX account # XXXX and XXXX XXXX XXXX  Account # XXXX. As per U.S.P.S. records, you received my above-mentioned dispute letter on XX/XX/XXXX. Accordingly, under the FCRA, you were required to conduct a reasonable reinvestigation and modify or delete the disputed information as I requested before the end of the 30-day period on the date on which you received my above-mentioned dispute letter. Specifically, you received my dispute letter on XX/XX/XXXX ; therefore, your response was due on or by XX/XX/XXXX I have allowed for 34 days to pass to account for any delays in mailing by the U.S.P.S., but to no avail, it appears that you have willfully failed to conduct a reasonable reinvestigation and modify or delete the disputed information as I requested before the end of the 30-day period on the date on which you received my above-mentioned dispute letter as required under the FCRA. 

As a result of your conduct as described above, you shall promptly delete the disputed information. Additionally, as per the FCRA, deletion of the disputed information, you are commanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX. 

Be advised, this is not another dispute or opportunity for you to reinvestigate a previous dispute. Your time period to conduct such a reinvestigation has expired and shall not be extended by law. 

Promptly delete the disputed information and send proof thereto and send me the check to my mailing address listed above in no later than fourteen ( 14 ) days of the date of this letter. Time is of the essence. If you do not timely comply with the requests within this letter, I intend to turn this matter over to a consumer lawyer for consideration of litigating the issue in federal court. 

Sincerely, XXXX XXXX Social Security Number : XXXX Date of Birth XX/XX/XXXX Enclosures : Original dispute letter dated XX/XX/XXXX ; ID ; U.S.P.S. tracking data cc : Consumer Financial Protection Bureau via upload

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 2021-07-27 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: NH

Complaint narrative:
I submitted a complaint through you and by phone they refuse to fix errors from XXXXXXXX XXXX they List XXXX XXXX as the company then add a different Company XXXX XXXX  XXXX as the original account the two are not even nor have they ever been associated with each other. I have been submitting proof of this for over 2 years yet they leave it on my report how can they say they verified something to be correct when it is not last complaint the removed the collection then added back with the same info this has been going on since XXXX and there is the fact that the State Statutes for both accounts have expired over 2.5 years ago

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