vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IL

Complaint narrative:
Student Consolidation Loan started with XXXX XXXX in XXXX. XXXX XXXX took approximately XXXX year to process XXXX separate student loan consolidations ( XXXX for myself, and the other for my XXXX ). When the consolidation loans were final processed, XXXX XXXX went out of business and moved everything over to American Education Services. When American Education Services ( AES ) processed the loans, they were processed as a spousal Student Loan Consolidation on XX/XX/XXXX. Upon identifying the error, I attempted to work with AES without any definitive response until XX/XX/XXXX. Every year thereafter through XX/XX/XXXX, I attempted to resolve the issue to no avail. The error has NOW been identified and acknowledged to be an error, however AES is unable to determine a solution. 
Separate from the loans being erroneously processed as a Spousal Student Loan consolidation, and perhaps more important, it was determined that the erroneously processed Spousal consolidation was done AFTER Spousal consolidation loans were allowed ( Ended XX/XX/XXXX ). 
Now that an AES supervisor has identified the error, no one with authority will call me back or even speak with me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX* DEPTEDXXXX XXXX US DEPT ED XXXX DEPTEDXXXX  XXXX US DEPT ED XXXX DEPTEDXXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX, we contacted XXXX, Dovenmuehle Mortgage , Inc. because we realized that we were not going to be able to make the monthly mortgage payment of {$2300.00} because my co-borrower has lost his job. At which time they had me complete a Loss Mitigation Assistance Application and that once we were in the Loss Mitigation process they would not be reporting us a delinquent. The application was completed and on XX/XX/XXXX they put us into an FHA Special Forbearance which started, on XX/XX/XXXX, in which they stated the payment would be Zero. However, even though we were told that we did not have to make any payment we continued to scrape together the full monthly payment of {$2300.00} each month at the cost of our other obligations not being met. Then on XX/XX/XXXX, we received a document named FHA HAMP Modification and Partial Claim, which states " The first modified payment, principal, interest, taxes and/or insurance in the amount of {$1600.00} will be due XX/XX/XXXX. Since that date, there have been no late or missed payments. I have continued to call and email them, receiving multiple promises to get our credit reports corrected as they are showing that we are 90 days for the months XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX as 90 days late. When I call the people I speak to look at the payments received and can see that nothing has been missed since XXXX and XXXX of XXXX. On XX/XX/XXXX we called them again and were told again that the research department would look at it and get back to me. We have not heard back from them and it has been over a week. So we called again today and were left on hold for almost an hour, we asked to speak to a supervisor and the call was transferred to the Escalation Supervisor Team and we were hung up on and did not receive a call back after. We have done everything that they have asked us to do and they continue to not get this matter handed and it has been almost a year that they have been reporting us as 90 days delinquent. This is unfair and wrong. Please help me get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Failure to provide Method of Verification for the item listed below within the time set forth by law, Fair Credit Reporting Act Request under 611 ( a ) ( 7 ) .... Midland Funding XXXX Date Assigned XX/XX/2016 Balance {$630.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for these companies to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: GA

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-02-16 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX DEPTEDXXXX XXXX US DEPT ED XXXX DEPTEDXXXX XXXX US DEPT ED XXXX DEPTEDXXXX 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 2022-02-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-02-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Fair Credit Reporting Act Request under 611 ( a ) ( 7 ), Experian failed to provide Method of Verification for the item listed below within the time set forth by law, .... 

XXXX XXXX XXXX XXXX Open Date XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX ; XXXX XXXX, I XXXX  Open Date XX/XX/XXXX Balance {$1500.00} ; XXXX XXXX XXXX Date Assigned XXXX XXXX, XXXX Balance {$630.00}

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 2022-02-16 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: CA

Complaint narrative:
Fair Credit Reporting Act Request under 611 ( a ) ( XXXX ), failed to provide Method of Verification for the item listed below within the time set forth by law, .... 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX ; XXXX XXXX XXXX Date Assigned XX/XX/XXXX Balance {$630.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: MD

Complaint narrative:
I purchased a vehicle from XXXX in XXXX under my business account to which I was tall and was under the impression was not going to show up on my personal credit and it do I request to have that removed off of my personal credit and I was told that thats not possible so I need a better understanding to how I purchase a vehicle under my business account under my business name under my business XXXX in number but its on my personal credit report.You have two separate entities for a reason I was told that XXXX will just do XXXX hard inquiry on my personal credit report and my vehicle payments and information will be available on my business report which is not showing true. XXXX also need to update my old account to which they still have it shown active which is incorrect information which is affecting my credit report

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 2022-02-16 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: MD

Complaint narrative:
I purchased a vehicle from XXXX  in XXXX under my business account to which I was tall and was under the impression was not going to show up on my personal credit and it do I request to have that removed off of my personal credit and I was told that thats not possible so I need a better understanding to how I purchase a vehicle under my business account under my business name under my business EIN in number but its on my personal credit report.You have two separate entities for a reason I was told that XXXX  will just do one hard inquiry on my personal credit report and my vehicle payments and information will be available on my business report which is not showing true. XXXX also need to update my old account to which they still have it shown active which is incorrect information which is affecting my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: MD

Complaint narrative:
I purchased a vehicle from XXXX in XXXX under my business account to which I was tall and was under the impression was not going to show up on my personal credit and it do I request to have that removed off of my personal credit and I was told that thats not possible so I need a better understanding to how I purchase a vehicle under my business account under my business name under my business XXXX in number but its on my personal credit report.You have two separate entities for a reason I was told that XXXX will just do one hard inquiry on my personal credit report and my vehicle payments and information will be available on my business report which is not showing true. XXXX also need to update my old account to which they still have it shown active which is incorrect information which is affecting my credit report

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 2022-02-16 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: CA

Complaint narrative:
Fair Credit Reporting Act Request under 611 ( a ) ( 7 ), TRANSUNION failed to provide Method of Verification for the item listed below within the time set forth by law, .... 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Open Date XX/XX/XXXX Balance {$1500.00} ; XXXX XXXX XXXX Date Assigned XX/XX/XXXX Balance {$630.00}

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 2022-02-16 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX US DEPT ED 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 2022-02-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-02-16 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:
I, consumer, am a natural person who regularly extends, renews, or continues credit and who regularly arranges for the extension, renewal, or continuation of credit, otherwise original creditor. See Equal Credit Opportunity Act ( ECOA ).

I have a secured right to privacy and confidentiality that was breached by the furnisher without consumer consent in violation of Florida Statute 540.08. 

No person shall publish, print, display or otherwise publicly use for purposes of trade or for any commercial or advertising purpose the name, portrait, photograph, or other likeness of any natural person without the express written or oral consent to such use given by : ( a ) Such person; or ( b ) Any other person, firm or corporation authorized in writing by such person to license the commercial use of her or his name or likeness. 

Identity theft means a fraud committed using the identifying information of another person without authority. See 12 CFR 1022.3 ( h ).

Furnisher has conspired with third parties companies d/b/a consumer reporting agencies disclosing personal information without consent in breach of trust despite FDCPA cease communication notice.

XXXX XXXX continues to furnish deceptive reports without consumer consent to third parties and fails to remedy violation. After several calls to cease reporting, XXXX XXXX filed a cease and desist notice against consumer alleging harrassment for exercising consumer right of privacy as trespass by XXXX XXXX.

Company response to consumer: Closed with explanation