vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Equifax has been unable to provide my credit report to its subsidiary, Equifax Mortage Solutions.  This has made it impossible to refinance my mortgage. According to the subdsidiary, Equifax Mortgages Solutions, this is because Equifax has my credit listed in two separate accounts, as if I were two separate people. Both accounts have inaccuracies in my demographics. In a comedy of errors, one has my birth-date off by a single day, one has my maiden name instead of my legal name, and one has my wrong address. However, Equifax Mortgage Solutions is unable to address this issue with Equifax directly. It's truly a comedy of errors. 

My mortgage officer has made multiple " hard pulls '' against my credit and my husband 's credit, each time after Equifax told us they had fixed the issue. Based on the issues we've had, I now suspect Equifax is addressing our complaints with an automated system that is unable to solve it. Which is why I have to reach out to the CFPB. No other credit bureau has had this problem. 

Our summarized contact history : XX/XX/XXXX around XXXX : phone-call and fax XX/XX/XXXX : Fax XX/XX/XXXX : 3 phone-calls around XXXX XX/XX/XXXX : 3 phone-calls around XXXX XX/XX/XXXX : Original phone-call and fax

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant & Weber
State: CA

Complaint narrative:
Hi, I'm being harassed by a debt collection agency, Grant and Weber, for a debt that I have paid. I owed a balance of {$500.00} to the XXXX XXXX XXXX, for which I paid in full on XX/XX/XXXX. However, I received a letter dated XX/XX/XXXX saying that I still have an overdue balance to Grant and Weber of {$500.00} including an interest of {$140.00}. I have spoken to staff at the XXXX XXXX XXXX, who confirmed that I don't have a balance. The staff at the lab have also tried to call Grant and Weber to clear my account, to no avail. 

Please tell Grant and Weber to stop harassing me. 

Thank you.

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 2020-03-16 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: CA

Complaint narrative:
I've reached out to Equifax regarding fraudulent requests for my credit report. Ive disputed this with Equifax with my FTC Fraud Affidavit on XXXX and XX/XX/2020 and it has fail on deaf ears. I received a letter from Equifax refusal to remove the fraudulent inquiries on XX/XX/2020. 

Equifax has constantly misused its power and treat victims on ID Theft unfairly. I was part of the Equifax 's data breach and have been vastly affected by its negligence. The following fraudulent inquiries are still reporting : 1. XXXX  XXXX XX/XX/2020 2. XXXX  XXXX XXXX XX/XX/2020 & XX/XX/2020 3. XXXX XXXX XXXX XXXX ( XX/XX/2020 4.XXXX  XXXX ( XX/XX/2020 & XX/XX/2020 ) 5. XXXX XXXX  ( XX/XX/2020 ) 6. XXXX XXXX ( XX/XX/2020 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: VA

Complaint narrative:
I am trying to get XXXX XXXX XXXX  to comply with the FCRA and provide proof that notice was given prior to the sale of a vehicle that was illegally repossessed. XXXX XXXX stated in a written letter they had terminated the relationship with the repossession company, and has none of the documents required to provide a lawful repossession per UCC 9 and Commonwealth of Virginia Law.

I am specifically looking for proof of Notice of Redemption and a Notice of Deficiency.

Law states these two items are required for the creditor ( XXXX XXXX XXXX  ) to collect a deficiency amount. 

I was never notified of Redemption, Time to Cure, Notice of Sale or Notice of Deficiency.

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 2020-03-16 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: TX

Complaint narrative:
XXXX was removed and put back on which is a FTC violations

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 2020-03-16 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: TX

Complaint narrative:
XXXX  was removed and put back on which is a FTC violations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: FL

Complaint narrative:
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files.

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 2020-03-16 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: NJ

Complaint narrative:
Experian wont block a XXXX account reprinting fraudulently on my credit file

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 2020-03-16 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: FL

Complaint narrative:
There are loan amounts in the amount of {$3800.00} and {$2000.00} being reported by XXXX XXXX XXXX XXXX on my Experian Business Credit Report. I have an application for a business line of credit with XXXX XXXX  which has been approved but I am unable to access the funds since there is unpaid balances showing up in the Experian Business Credit Report. I contacted XXXX XXXX XXXX XXXX at XXXX and they are showing no record under XXXX XXXX XXXX XXXX of Florida, but the information is still appearing in the credit report. I am the only employee. I asked Experian Information Solutions , Inc. to investigate and they have after 2 months been unable resolve the issue.

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 2020-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: FL

Complaint narrative:
I received a collection notice in the mail from AFNI , Inc., so I called and spoke with a lady by the name of XXXX on their customer contact number. The purpose of my call was to record a dispute of this debt as I am a current XXXX XXXX XXXX account holder with no balance owed. She immediately wanted to send me a " Fraud Package '' instead of recording the dispute on my account. Last I spoke with XXXX XXXX XXXX, I have no balance on the account. She kept interrupting me and wouldn't acknowledge me asking her to supply me with proper documentation of which I asked for numerous times. 
Call is dated XX/XX/2020 at XXXX EST.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My original was with XXXX XXXX, ever since Shellpoint took over its been a mess. In XXXX I fell off a ladder working on the property, I was told by XXXX XXXX at Shellpoint that they would be able to modify the loan to take those 2 months and put it at the end of my loan to keep me current because of the XXXX XXXX XXXX I sustained. They never did brought my account current as promised. I have an email correspondence between Shellpoint and myself in that email I stated that once I make this payment I will be current and Shellpoint responded yes, again that never happened and they continued to compound late fees and other fee 's to try and keep me from refinancing my home. They are trying to put me in such a bad financial situation so they can foreclose on my house. If you XXXX Shellpoint Mortgage Serving reviews you will see the numerous compliants, most are the same as me.

I have showed my proof to Shellpoint and they never respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/20 I filed a complaint with the CFPB regarding Equifax 's handling of my credit file. Equifax continues to ignore my complaints in the handling of my credit file. I reached out to the number that was provided in the last complaint which indicated that my file was to be handled by the Office of Consumer affairs. Upon reaching out the the office of consumer affairs my request of making my file avaliable have been ignored. 

The office of consumer affairs is no better in handling my file. I'm still spoken to in a rude way by its reps and my file isn't getting the level of treatment or attention to correct the issues that it deserves. I've asked for a supervisor or manager call back now at least 8 times and I haven't received not one call back as of XX/XX/2020 dating back from early XX/XX/2020. 

Many times the office of consumer affairs don't even take the consumer calls after sitting on hold up to an hour or more. I've escalated filed several complaints and have had zero resolution to my issues with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: CA

Complaint narrative:
I applied for a loan today XX/XX/2020 because I was laid off of work and I need to pay a few bills but I was not approved. The reason why they couldn't approve me is because there were a number of negative accounts appearing on my credit report ; I looked through each account and none of them belong to me. I did not open any of those accounts nor did I allow anyone to open them on my behalf. I did not benefit anything form all of these accounts being open in my name such as money, goods, services or an other benefit nor did I ever make any payment towards any of these accounts. I do not have any written or verbal contract with any of these companies and I never gave them access to my credit information. I have already filed a police report and a complaint with the CFPB regarding all of these unauthorized accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: R & B Corporation of Virginia
State: AZ

Complaint narrative:
I am in the process of purchasing a home. I had my credit pulled prior to closing and was surprised to see a collection from Credit Control Corp which dropped my score significantly. I have received no phone calls or contact via USPS Mail to confirm this collection is mine or valid ( which is not ) prior to it hitting my credit profile with the bureaus Due to this I have not & did not obtain the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. This collection must be removed from my credit promptly due to erroneous collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: IL

Complaint narrative:
Remove the incorrect accounts.

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 2020-03-16 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: TX

Complaint narrative:
XXXX XXXX was removed and put back on ftc violatons

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: TX

Complaint narrative:
XXXX  XXXX was removed and put back on ftc violatons

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 2020-03-16 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: TX

Complaint narrative:
XXXX XXXX was removed and put back on ftc violatons

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 2020-03-16 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: GA

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX XXXX {$2300.00} XXXX   XXXX XXXX {$970.00} XXXX XXXX {$0.00} XXXX   XXXX {$1700.00} XXXX XXXX {$2600.00} XXXX   XXXX  XXXX {$1500.00} XXXX XXXX XXXX XXXX {$120.00} XXXX  XXXX {$260.00} US DEP ED XXXX {$1400.00}

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 2020-03-16 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: GA

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX  XXXX XXXX {$2300.00} XXXX   XXXX XXXX {$970.00} XXXX   XXXX {$0.00} XXXX   XXXX {$1700.00} XXXX XXXX {$2600.00} XXXX   XXXX XXXX {$1500.00} XXXX XXXX XXXX  XXXX {$120.00} XXXX  XXXX {$260.00} US DEP ED XXXX {$1400.00}

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 2020-03-16 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: IL

Complaint narrative:
Remove the incorrect accounts.

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 2020-03-16 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: IL

Complaint narrative:
Remove the incorrect accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/2015 purchased XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX sold me XXXX XXXX the car and financed it thru Santander Consumer USA XXXX XXXX XXXX TX. XXXX ( XXXX } XXXX XXXX I found out that the car should of never been sold in the United States I called XXXX XXXX XXXX   XXXX about the problem and they blew me off said they new nothing about it.There was a class action law suit against the XXXX Companey they had altered the computers on the vehicles so they wood pass smog they were foundy Guilty I called the finance company and had them pick up the vehicle I explained to them what XXXX had done they paid no attention to me .The finance company picked up the vehicle sold the vechile once again and sent me a bill for {$13000.00} THE VEHICLE SHOULD NEVER BEEN SOLD IN THE UNITED STATES

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: CA

Complaint narrative:
I applied for a loan today XX/XX/2020 because I was laid off of work and I need to pay a few bills but I was not approved. The reason why they couldn't approve me is because there were a number of negative accounts appearing on my credit report ; I looked through each account and none of them belong to me. I did not open any of those accounts nor did I allow anyone to open them on my behalf. I did not benefit anything form all of these accounts being open in my name such as money, goods, services or an other benefit nor did I ever make any payment towards any of these accounts. I do not have any written or verbal contract with any of these companies and I never gave them access to my credit information. I have already filed a police report and a complaint with the CFPB regarding all of these unauthorized accounts on 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 explanation
Consumer complaint received 2020-03-16 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: CA

Complaint narrative:
I applied for a loan today XX/XX/2020 because I was laid off of work and I need to pay a few bills but I was not approved. The reason why they couldn't approve me is because there were a number of negative accounts appearing on my credit report ; I looked through each account and none of them belong to me. I did not open any of those accounts nor did I allow anyone to open them on my behalf. I did not benefit anything form all of these accounts being open in my name such as money, goods, services or an other benefit nor did I ever make any payment towards any of these accounts. I do not have any written or verbal contract with any of these companies and I never gave them access to my credit information. I have already filed a police report and a complaint with the CFPB regarding all of these unauthorized accounts on 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 2020-03-16 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: FL

Complaint narrative:
Recently I apply for a XXXX XXXX credit card for traveling and it was unable to be approved. 

Because Equifax have me restricted,, as explain XXXX XXXX XXXX.

Company response to consumer: Closed with explanation