vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-21 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: DE

Complaint narrative:
The inquiries below do not belong to me. They are FRAUD. Delete ASAP. They should not be on my report. 

-- -- -TRANSUNION XXXX -- XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XX/XX/ 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 2021-05-21 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: LoanCare, LLC
State: MI

Complaint narrative:
Per the Covid Cares Act, if in forbearance due to Covid related hardship the mortgage company should not be reporting the payments as late during that time to the credit bureaus. My mortgage company did, my credit shows late payments every month during forbearance.

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 2021-05-21 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have no recollection of these inquires. I have added a separate document outlining the inquires that were added to my credit report. My identity theft report is included with this complaint. I would like these inquiries removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: DE

Complaint narrative:
The inquiries below do not belong to me. They are FRAUD. Delete ASAP. They should not be on my report. 

-- -- -EQUIFAX XXXX -- XXXX XXXX XXXX Inquiry : XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: TN

Complaint narrative:
I have been submitting requests for the addresses that do not belong to me on my credit reports to be removed from XXXX, Transunion and XXXX. I have submitted dispute requests for this information to be removed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. each time the credit bureaus did not send me any dispute results or remove the addresses that do not belong to me on my credit report. 

Transunion incorrect addresses are : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX incorrect addresses are : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX incorrect addresses are : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN 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 2021-05-21 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have been submitting requests for the addresses that do not belong to me on my credit reports to be removed from XXXX, XXXX and Experian. I have submitted dispute requests for this information to be removed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. each time the credit bureaus did not send me any dispute results or remove the addresses that do not belong to me on my credit report. 

XXXX incorrect addresses are : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX Experian incorrect addresses are : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX incorrect addresses are : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN 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 2021-05-21 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: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
XX/XX/2017 {$720.00} Reached out to company about interest rate and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated.

These inaccuracies are highly injurious to my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I opened up a XXXX credit card account using a promotional offer. I have spent the required {$500.00} within the three month promotional period and have yet to receive the {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately reinvestigated. These inaccuracies are highly injurious to my credit rating

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: CA

Complaint narrative:
After many many times explaining to TransUnion and speaking with the special handling department explaining that these are fraud accounts and inquiries they have not done anything to delete these things from my report. Please help me get this issue resolved once and for all. Please review the attached information and delete 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 explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
I Consumer XXXX XXXX the Executor of XXXX XXXX XXXX XXXX was trying to close out my fathers estate when I notice an alleged creditor place a claim of debt against the estate. On XX/XX/2021 I sent Gulf Coast Bureau, Inc a validation of debt letter containing certain information for them to respond with information such as who is the alleged debtor and what is the debtor address also when was the original charge of delinquency. As of XX/XX/2021 I have not received a response from Gulf Coast Collections containing the information requested nor have they withdrawn their claim of debt from the estate. Gulf Coast Collections is in direct violation of 15 USC 1692g by not responding in the 30 day time period with requested and by also not sending within the the first 5 days of the initial communication a written statement containing the amount of the debt owed and the name of the creditor to whom the debt is owed. They also failed to provide a statement that if the consumer does dispute the debt in 30 days then the debt will be assumed valid within the initial 5 days of communication with the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: TX

Complaint narrative:
My credit report shows inaccurate and unverified inquiries from multiple sources. I have reported the issue to Equifax on XX/XX/2021 via phone and XX/XX/2021 via certified mail. Equifax has not validated the inquiries and/or removed them. Equifax is violation of the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), by not providing complete and accurate reporting at the request of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
XX/XX/2017 {$97.00} Contacted about amount, should have been covered by insurance

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I can not lift or temporarily remove my credit freeze because there is no way to access Equifax 's website. All links lead to a screen that says " We are temporarily unable to complete this request ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX is claiming that I owe them {$2100.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
LVNV FUNDING LLC is claiming that I owe them {$1200.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: WI

Complaint narrative:
On XX/XX/2021 there were purchase made with my card that i didn't authorize. 
XXXX ( {$180.00} ) XXXX ( {$200.00} ) XXXX ( {$140.00} ) XXXX ( {$110.00} ) XXXX ( {$57.00} ) When i seen these purchases i immediately cancelled my card to get a new one. And called Direct Express to inform them of what happened. They told me the purchases was pending so i had to call back within 3days. Waited 3 days call back to file my complaint so they can start investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
XX/XX/2021 {$320.00} Contacted about the wrong amount.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
XX/XX/2017 {$390.00} Contacted about the amount, should have been covered by insurance.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After many many times explaining to Experian and speaking with the special handling department explaining that these are fraud accounts and inquiries they have not done anything to delete these things from my report. Please help me get this issue resolved once and for all. Please review the attached information and delete 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 2021-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC
State: MD

Complaint narrative:
MOUTAINRUNSO is claiming that I owe them {$3200.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
XXXX XXXX {$120.00} Contacted about the wrong amount

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: CA

Complaint narrative:
After many many times explaining to Equifax and speaking with the fraud department explaining that these are fraud accounts and inquiries they have not done anything to delete these things from my report. Please help me get this issue resolved once and for all. Please review the attached information and delete this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affiliated Management Services
State: VA

Complaint narrative:
XX/XX/2018 {$82.00} Contacted about amount, should have been covered by insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: Grain Technology, Inc.
State: CA

Complaint narrative:
Grain has been reporting on my behalf with out my permission. I havent been able to contact them and they have still been charging me late fees. Every tine i try to contact support i can not get through. Since XX/XX/2021 till XX/XX/2021 they have taken money from me and i demand it all be sent back to me. Under 15 usc 1692 c i would like to cease and desist all communication from here on out. Under 15 usc 1681 ( the fair credit reporting act ) all reports need to be accurate and fair. And i am a victim of fraud because so gave no consents for anybody to report or have my information. Any paperwork like the pictures i showed attached are examples of false and deceptive paperwork which is a violation of the fair trade commission ( the ftc )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed some things that is VERY upsetting! The account XXXX Account # - XXXX are reporting some very inaccurate things. I have tried and tried numerous of times to dispute this account with them through XXXX & Equifax but I guess I will have to go higher up to get this solved. This account is a CLOSED CHARGED OFF account. Which means IT CAN NOT INCUR INTERESTS!!!! The company has legally been compensated for the loss & can not continue to add fees, a charge off is essentially a DEAD account. There should be no changes reported to it AT ALL!!!! I have tried to request a 1099 from the company to show the correct balance as proof, but they refuse. I have screenshots through a monitoring app and also an EMAIL from the associate thats handling my account with the CORRECT balance. The correct balance is {$9000.00} ''. EACH month it increases and now its at {$12000.00}. This has been going on for TOO LONG. Obviously, they have not been investigating anything because this is totally wrong!!!! The account is closed and I dont have the vehicle anymore. Please get this right for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed some things that is VERY upsetting! The account XXXX Account # - XXXX are reporting some very inaccurate things. I have tried and tried numerous of times to dispute this account with them through Experian & XXXX but I guess I will have to go higher up to get this solved. This account is a CLOSED CHARGED OFF account. Which means IT CAN NOT INCUR INTERESTS!!!! The company has legally been compensated for the loss & can not continue to add fees, a charge off is essentially a DEAD account. There should be no changes reported to it AT ALL!!!! I have tried to request a 1099 from the company to show the correct balance as proof, but they refuse. I have screenshots through a monitoring app and also an EMAIL from the associate thats handling my account with the CORRECT balance. The correct balance is {$9000.00} ''. EACH month it increases and now its at {$12000.00}. This has been going on for TOO LONG. Obviously, they have not been investigating anything because this is totally wrong!!!! The account is closed and I dont have the vehicle anymore. Please get this right for me.

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 2021-05-21 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XX/XX/1921 CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX BOX XXXX XXXX, IA XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX. 
WASHINGTON, DA XXXX Subject : Equifax ; XXXX  & XXXX  credit bureaus fair credit score reporting, practice & all enquiries on credit file of all Americans Dear Protection Bureau & National Public Sectors for Consumers ; I am seeking to get an equal opportunity to get my free score and report from Equifax credit bureau. Equifax has not revealed my credit score every time I asked for a report from them. Second I want your bureau to stop the other consumers from unfairly weighting our credit scores, as they give creditors all relm to judge our scores credibilities as they deny us minority Americans access to higher credit score and benefits.- as like wise as with employment practices, all military benefits, and safe practice of islamic beliefs for fair credit offer and practice by equal rights as other citizens.

As far back as 25 years we have reporting of hard and soft enquiries ( injuries ) showing on our credit reports. We are asking for only 3.5 years worth of enquiries to show on each reports- and only as hidden enquires, as should be revealed to federal as when for federal investigation purposes. Creditors have denied us credit offers do to these reasons very crucial to us all. Since, our credit & credibilities is all life opportunities for all Americans. 



Very respectfully, XXXX XXXX

Company response to consumer: Closed with explanation