vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-17 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: MN

Complaint narrative:
Experian has been noncompliant and has failed to comply since XX/XX/XXXX, XX/XX/XXXX. They have received each letter and have chosen to disobey the law and not respond in 3 months.By law they're suppose to respond in time, which they haven't and the items I disputed need to be DELETED ASAP. Experian you have had more than enough time and I don't want any generic response or that you will investigate in " 60 DAYS ''. You no longer have that privilege nor right since you have violated mines. PLEASE REMOVE AND DELETE EACH ACCOUNT I HAVE DISPUTED .Under federal law, you had thirty ( 30 ) days to complete your investigation. I WILL BE GOING TO THE XXXX AND FILING A LAWSUIT IF THIS ISN'T CORRECTED ASAP. I'M XXXX 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 2022-03-17 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:
I have request Equifax to validate the inaccurate information by requiring the creditor to produce documentation bearing my physical signature of the alleged accounts and balance they claim I owe. Equifax has also failed to comply to multiple federal and state laws under the FCRA.

Violations include : 15 U.S.C. 1681e ( b ) Compliance procedures : to report maximum possible accuracy of the information concerning the individual.

15 U.S.C. 1681a ( 3 ) ( a ) ( b ) ( c ) Restriction on sharing medical information 15 U.S.C. 1681b ( 4 ) Limitation on redisclosure of medical information 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of consumer reports I am trying to make a final attempt for Equifax to comply with the many laws they are in violation of by supplying proof of their alleged investigation and validation of debt which is inaccurately being reported on my credit file.

I am asking for Equifax to provide the following : 1. The original contract and or agreement bearing my signature 2. Who they spoke to from the creditor the date and time in which they spoke with them.

By law they have 15 days to supply this information as they are reporting they have resolved the dispute by validating the alleged inaccurate account on my credit file.

I listedthe inaccurate accounts on my credit file in which they claim has been investigated and is reporting 100 % accurate. 
XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. Unknown Creditor Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX  Account Number : XXXX XXXX. XXXX Account Number : XXXX Failure to produce the original contract and or agreement bearing my signature and who they spoke to from the creditor the date and time in which they spoke with them. I demand the accounts be deleted immediately. 

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. If the attached accounts are not properly validated and proof of the original contract and or agreement bearing my signature and who they spoke with what time and date I will proceed with a lawsuit against your company under 15 U.S.C. 1681n for willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.

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 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.

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 2022-03-17 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: Advantage Credit, Inc.
State: MI

Complaint narrative:
A relator from XXXX XXXX XXXX in XXXXXXXX MI  assured me that he would use a credit pull from a previous lender when I gave him my information, he then told me that he would not charge me to run my credit report and then he paid to run my credit report without my permission and then said I told you I wouldn't charge you. His name is XXXX XXXX this happened on XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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:
In accordance with the Fair Credit Reporting Act, Everything has to be XXXX XXXX accurate on my credit report. 

The credit burruea stated my account was properly investigated, but how is that possible If the open date isn't accurute The date last active isnt accurate. And the date last reported is inaccurate. That is grounds for removal. 

They violated my rights under the XXXX XXXX. XXXXXXXX XXXX XXXX XXXX states I have right to privacy. 
XXXX XXXX XXXX XXXX  XXXX also states that XXXX report agencies can not furnish my account without my permission. 

They also violated my XXXX rights. 
I had no knowledge or consent of my medical info being disclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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:
In accordance with the Fair Credit Reporting Act, Everything has to be 100 % accurate on my credit report.

The credit burruea stated my account was properly investigated, but how is that possible If the open date isn't accurute The date last active isnt accurate. And the date last reported is inaccurate. That is grounds for removal.

They violated my rights under the 15 U.S.C. 1681, Section 602 A states I have right to privacy.

15 U.S.C 1681 Section 604 also states that Consumer report agencies can not furnish my account without my permission.

They also violated my Hippa rights. 
I had no knowledge or consent of my medical info being disclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Everything has to be 100 % accurate on my credit report.

The credit burruea stated my account was properly investigated, but how is that possible If the open date isn't accurute The date last active isnt accurate. And the date last reported is inaccurate. That is grounds for removal.

They violated my rights under the 15 U.S.C. 1681, Section 602 A states I have right to privacy.

15 U.S.C 1681 Section 604 also states that Consumer report agencies can not furnish my account without my permission.

They also violated my Hippa rights.

I had no knowledge or consent of my medical info being disclosed.

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 2022-03-17 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: TN

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section XXXX ( XXXX ) of the XXXX, these accounts must be removed within XXXX business days of reciept of this report. 
Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the 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 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint not some company or not any other third party. My information was impacted by the equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I received a copy of my credit report XXXX and I discovered an unrecognizable account on my profile from XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX date opened : XXXX amount : {$610.00}

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 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I received a copy of my credit report XXXX and I discovered an unrecognizable account on my profile from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  account XXXX date opened : XXXX amount : {$610.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: MO

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the XXXX XXXX XXXX the bureaus have to report XXXX percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-03-17 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: MO

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the XXXX XXXX XXXX the bureaus have to report XXXX percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove this account completely from my Credit Reports : XXXX 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 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XX/XX/14 I responded to a suspicious XXXX mail from " XXXX XXXX ''. It had " Re : XXXX XXXX XXXX ''. 
I was looking for an apartment and had no time to shop around. 
This mail had a link called XXXX to -membershipXXXXtransunion.com and XXXX 
{$24.00} a month and free if I cancel within XXXX week. 
The mail said get the report and send the screenshot of my credit score. 
The link asked my credit card number and SS number I entered. 
I entered XXXX credit card number because first one couldn't go through. 
The XXXX one also. 
I got charged {$1.00} right away on my card. 

I realized it is very suspicious after searching website. 
Now I locked the XXXX credit cards.

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 2022-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: SC

Complaint narrative:
LET ME START BY SAYING Loancare has the worst customer service ever!!! Just read the customer reviews or complaints online!!! I was hung up on and treated with disrespect. I was on the phone for hours on hold and explaining my issues, being transferred to escalation and repeating my issues and getting the same poor service. In a nutshell, my taxes got messed up with the county so my escrow was running short each month, I sent in my mortgage payments. They, however, keep saying I'm late and its in forbearance. It is not in forbearance I have made over XXXX timely payments of XXXX sense going out of forbearance!! So when I made XXXX payments of XXXX in XXXX month the e-checks had the month and dates on the e-check for the months the payments were due for. Loancare took XXXX of the XXXX dollar payments and put it in my escrow instead of making my monthly payment. Therefore making me late in the month of XX/XX/XXXX '. That e-check should not have been cashed for anything but what it was intended for, that being my mortgage payment!!! So as a result Loancare sent in a late payment status to my credit bureau bringing my credit score down over XXXX. This also was told to me by Loancare it would be removed and taken off my credit, it is not!!! Lastly Loancare knows I am trying to refinance my mortgage with another company and I feel they are not doing what they promised to myself to keep my mortgage with them. My last recourse will be to turn this over to my attorney XXXX XXXX Attorney At Law. I have all my bank statements to back me up for each and every payment I have made on time to Loancare!!! My bank statements will show I am correct and all this nonsense should be cleared up!! Thanks to all this I have lost the interest rate I had locked in and my application has expired for my refinance!! This in i'ts self will be a law suit. I would also like to add My mortgage payment is not even XXXX a month it is XXXX so I am over paying on it each month. The last XXXX persons that said they would fix the problems are XXXX ID # XXXX and XXXX XXXX ID # XXXX BOTH HAVE NEVER GOT BACK TO ME EITHER!!! SIGNED A VERY UPSET CUSTOMER AND I HIGHLY RECOMMEND CONSUMERS DO BUSINESS ELSEWHERE!!!! THIS COMPANY STINKS!!!!!!!

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 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section XXXX ( XXXX ) of the XXXX, these accounts must be removed within XXXX business days of reciept of this report. 
Failure to do so is a violation of my rights.

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 2022-03-17 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: TN

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. 
Failure to do so is a violation of my rights.

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 2022-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Someone made a fradulent payment to my account while I was in the hospital with a XXXX checking account number. I could not have made this error onto the account. The payment was made while I was in the hospital from XX/XX/XXXX until XX/XX/XXXX. It is like someone started hacking my account after XXXX years since me having these Amex accounts. I have evidence that I was in the hospital. I am very XXXX  and XXXX right now. I never had a problem like this since I have had the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MIDFIRST BANK
State: AZ

Complaint narrative:
Midfirst Bank sent me a Overdraft notice on my account. I never over drafted my Account and had My Identity taken over my cyber attacks on me I froze all my credit reports after this happened and spoke toy bank Midfirst Bank explaining these were unauthorized charges!!!! They said I was correct and the best thing to do was to shut the Account and that way charges couldn't happen again!!! They said they would credit the Account back to XXXX as I never had a negative balance in over XXXX years of banking there!!! I was a elite customer. Next thing I I know I go to open a new Bank Account and they placed me Midfirst Bank into XXXX XXXX and collections!! These are not my charges acct was closed with a XXXX balance. This is crazy and redicolous. Tried talking to collections at Midfirst Bank today they said pay the XXXX and they would remove me from XXXX XXXX. What am I supposed to do??? Pay unauthorized charges will if I have to buy there not my charges!!!!! Please advise as to what to do

Company response to consumer: Closed with explanation