vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-07 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: IL

Complaint narrative:
On XX/XX/2020 I got with a lawyer and filed for chapter XXXX bankruptcy. After a few months goes by, I receive my letters from the Bankruptcy Courts ( Northern District of Illinois ) a order to discharge debt was granted to me ( as shown in pg 1 below ). After my chapter XXXX bankruptcy was finalized, I then pull my credit report to make sure all debts that were included in the bankruptcies were in fact reporting accurately. To my surprise, a few accounts that was included in the bankruptcy were still reporting as in open status with a high balance, which negatively brings my score down. I'm fully aware bankruptcy chapter XXXX can legally stay on my credit report for 10 years. But what i'm disputing with the credit bureaus is that it must be reporting accurately. I dispute this accounts, XXXX XXXX XXXX credit installment and car loan balances XXXX with Experian and XX/XX/XXXX Less than 72 hours later, Experian states that the account has been verified and will remain reporting the same way. Again, i'm simply disputing a open account which shows XXXX XXXX XXXX XXXX as an open account when it was included in the chapter XXXX Bankruptcy and should be close, due to it being a discharge debt. My understanding that it's unlawful for a creditor may no longer initiate or continue any legal or other action to collect a discharge debt. XX/XX/XXXX XXXX is continue to report recent past due balances and late payments to the credit bureaus on a discharged debt. which wrongfully discreadit my worthiness and fresh start to my financial stability.

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 2021-01-07 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: MO

Complaint narrative:
I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXXXXXX  I decided to give the bureaus another chance and sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account was closed a while ago. When Covid 19 forced XXXX XXXX 's call center to close, I was unable to make my payments due to my account already being closed for over a year. With a closed account you have to speak to an agent to make a payment. It was out of my control that they're call center was closed due to the pandemic, and I should not have to suffer consequences for that. As soon as the call center opened up, months later. I made my payments. I should not have any late payments on my credit report. It was/is against the law due to National Shut Downs because of Covid 19.

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 2021-01-07 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: MO

Complaint narrative:
I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I decided to give the bureaus another chance and sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2021-01-07 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: MO

Complaint narrative:
I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I decided to give the bureaus another chance and sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2021-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Identity stolen in year 2017. Opened a XXXX XXXX card in my name. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: TN

Complaint narrative:
My issues are with Equifax. I incorporate by reference the attached report in support herein : Key factors that adversely affected your Equifax credit score. 
00039 Serious delinquency Note : According to Equifax reporting on XXXX XXXX, " You have a stellar payment history! 100 % '' 00010 Ratio of balance to limit on bank revolving or other rev accts too high Note : According to Equifax reporting on XXXX XXXX, " You aren't using too much of your credit card limits. 1 % used. '' 00014 Length of time accounts have been established Note : According to Equifax reporting on XXXX XXXX, " Your oldest account is 4 years, 7 months old. Your credit history looks pretty new. '' 00006 Too many consumer finance company accounts Note : According to Equifax reporting on XXXX XXXX, " There's a solid number of accounts on your report. You have XXXX. '' Note : There is a XXXX XXXX XXXX XXXX account which I have strenuously disputed for a number of years under closed accounts. That account is due to fall off the Equifax credit report this year. I am requesting the account be eliminated from my Equifax Credit report and a rapid recalculation occur using accurate and updated reporting. 
Note : I previously sent Equifax legal court documents reflecting my name, XXXX XXXX XXXX. I have asked that XXXX XXXX XXXX and all derivatives be stricken from my credit report. No one is reporting credit activity under XXXX XXXX XXXX or derivative and the name should be permanently stricken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: CARMEL FINANCIAL CORPORATION, INC.
State: FL

Complaint narrative:
Upon pulling my credit for a purchase in the near future, I notice an inquiry that I never authorized. I have made several attempts to try to rectify this issue with this company. They have not addressed this issue. This inquiry has effected my my credit score. I take great pride in my stellar credit, which I have toiled relentlessly to get to this point. Please remove this unauthorized inquiry from my report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A ALLEGED DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE CONNECTING ME TO THE DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: TX

Complaint narrative:
I have submitted disputes to all three credit reporting companies about incorrect address on my reports. They have all agreed that the only accurate address for me is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX. Yet all the other address are still listed on my credit report. One of the addresses being included on a fraudulent inquiry submitted through XXXX  on XX/XX/2020. They agreed to remove the addresses yet the addresses still populate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Keynote Consulting, Inc.
State: IL

Complaint narrative:
DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A ALLEGED DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE CONNECTING ME TO THE DEBT.

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 2021-01-07 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: NY

Complaint narrative:
There are currently numerous items listed on my report that I have no knowledge of. This was a result of malpractice or an error.

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 2021-01-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC
State: FL

Complaint narrative:
I recently applied for a mortgage loan with Veterans United. I had submitted all required documents including my reasoning for unemployment during the COVID-19 pandemic. Prior to the preapproval, I had informed my loan officer that I was just starting to work after several months of unemployment. I only had my VA XXXX as my source of income. He assured me that that was fine. Once I started working, I would send in my Paystubs. My loan officer knew that I was just starting to work yet I was still preapproved. With my preapproval, I began searching for a home. I found a home and I paid for an inspection. Throughout this whole process, my loan officer told me that everything was looking good. He reassured that with my credit score and income, I would be fine. Unfortunately, I was denied the loan because I had not worked for 6 months at my current job. My loan officer had known that I had not been employed for that long but he still gave me misleading information. Had I known that I needed 6 months of employment, I would have waited and not spend money on an inspection. I believe I was given misleading information throughout this whole process.

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 2021-01-07 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: NY

Complaint narrative:
There are currently numerous items listed on my report that I have no knowledge of. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My account was closed a while ago. When Covid 19 forced XXXX XXXX 's call center to close, I was unable to make my payments due to my account already being closed for over a year. With a closed account you have to speak to an agent to make a payment. It was out of my control that they're call center was closed due to the pandemic, and I should not have to suffer consequences for that. As soon as the call center opened up, months later. I made my payments. I should not have any late payments on my credit report. It was/is against the law due to National Shut Downs because of Covid 19.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: Knight Adjustment Bureau
State: UT

Complaint narrative:
XXXX XXXX and Knight Adjustment bureau are reporting the same debt on my credit file. I recently checked my credit and noticed that XXXX XXXX was reporting a balance on an account that they closed and transferred to Knight Adjustment. I was never aware that I had debt with XXXX XXXX and I was never notified that I was being sent to collections. I never received notices from XXXX XXXX or Knight Adjustment before it started to report on my credit. This is in clear violation of my 30 day right to dispute and the FCRA. This account is ALSO double reporting which is another violation under the FCRA. They need to remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On my credit reports there is a closed account with huge amount of missed payments. BARCLAYS BANK DELAWA Its not mine account. 
Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA BARCLAYS BANK DELAWA has violated my rights as a consumer and I requesting legal action to remove this account immediately.

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 2021-01-07 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: BMW Financial Services NA, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX I spoke with BMW FINANCING SERVICE REPRESENTATIVE from BILLING DEPARTMENT XXXX  XXXX REFER NUMBER IS XXXX. This person verified that this information on my credit report is indeed inaccurate and should be removed from my credit file. 
1. I have never been late with payments on this account.

BMW FIN SVC Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I received the following from the Credit Reporting Agency -- -- - According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item. We review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. I have complained many times against XXXX XXXX XXXX XXXX. They are included in this complaint but will undoubtedly and continually list this complaint as duplicate. They have yet to comply with requests for information or answer even one of the 75 complaints. This complaint is regarding two cars FRAUDULENTLY financed in my name, same dealership, same day. One car was financed with XXXX  XXXX XXXX  XXXX and the other with XXXX XXXX XXXX / XXXX XXXX. My credit was pulled on XX/XX/XXXX without Permissible Permission to check me out which then led to the two forged applications and contracts dated XX/XX/XXXX. One of the CRAs stated that lack of permissible permission is ok when credit was extended. CREDIT WAS EXTENDED TO THIEVES AND FORGERS NOT ME! I never had possession, use, or benefits. I have attached the XXXX  XXXX XXXX Docs that reflect application, credit report, and contract. I have attached the application and contract that I received from XXXX XXXX XXXX XXXX. XXXX XXXX refuses to send the credit report. Notice the application was incomplete and wasnt even to be processed! See all the differences between the two applications ; different salary and incomplete that should have never been processed. XXXX  XXXX XXXX realized the fraud, lack of Permissible Permission, and dropped the claim and removed the negative line from my credit report. Attached is letter from XXXX XXXX XXXX removing claim. However, XXXX XXXX XXXX XXXX refuses to answer any requests, complaints, nor send a copy of the credit report pulled on XX/XX/XXXX. The THEFT STARTED when XXXX XXXX XXXX XXXX did not have permissible permission to access my credit report. This is easy! and obvious and at a minimum lack of permissible permission. XXXX  XXXX XXXX XXXX will list this complaint as duplicate and ignore. I am requesting Transunion and XXXX  to live up to the FCRA, review the attached evidence, and remove XXXX  XXXX XXXX XXXX from my report IMMEDIATELY! This has been going on for almost 4 years. I have sent the attached documents over and over. So wanting another 30 days to investigate / review is ridiculous. I am XXXX, survived XXXX at XXXX  XXXX, was in the XXXX Tax Day Flood with 8, then all the theft, and then was in Hurricane Harvey Flood with 32, and this needs to end NOW!

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 2021-01-07 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Upon pulling my credit for a purchase in the near future, I notice an inquiry that I never authorized. I have made several attempts to try to rectify this issue with this company. They have not addressed this issue. This inquiry has effected my my credit score. I take great pride in my stellar credit, which I have toiled relentlessly to get to this point. Please remove this unauthorized inquiry from my 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 explanation
Consumer complaint received 2021-01-07 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: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Upon pulling my credit for a purchase in the near future, I notice an inquiry that I never authorized. I have made several attempts to try to rectify this issue with this company. They have not addressed this issue. This inquiry has effected my my credit score. I take great pride in my stellar credit, which I have toiled relentlessly to get to this point. Please remove this unauthorized inquiry from my 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 explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FinCo Services Inc DBA Current
State: MN

Complaint narrative:
I woke up on XX/XX/XXXX with a notification from the bank saying my XXXX $ dollar stimulus check has arrived, so I went to check it and all XXXX dollars was gone. I checked my transactions and 6 different transactions were made stealing my XXXX dollars. They started at XXXX. The bank did nothing to stop these transactions. By the time I notified that bank there was nothing they could do the money was already gone. Ive tried to talk to them everyday since then trying to get updates on the investigation and at XXXX XXXX  on XX/XX/2021 I got an email saying investigation is closing they sent me XXXX . Thats all they recovered outta my XXXX dollars that was stolen from me. The bank is call current and they will not give me a reason why they cant refund me the rest of the XXXX that they couldnt protect from getting stolen in the first place. Ive called the police, ive called the fbi, ive filed for identity theft, ive gotten texts from the hackers. I sent the bank all the information I had. And they are refusing to pay me all my money back that was stolen from me.

Company response to consumer: Closed with explanation