vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-13 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: TN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-13 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 contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: OH

Complaint narrative:
I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely. You should not keep or report anything that you know is not in compliance with the law or regulations. I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry, I request proof that you confirmed that the creditor had a permissible purpose. I am giving you 10 Days to investigate this matter and determine whether it is still accurate, valid, and in compliance. If you can not provide proof that the information is accurate, compliant, or valid I demand that you remove it from the report. I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a newly updated report. This will help me stay updated on the progress you are making. The following items on my report appear questionable! Please certify that all claims are true and accurate, complete, and timely reported. If not, please delete it 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 2023-04-13 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2023-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Quality Recovery Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX this Quality Recovery services reached out on behalf of XXXX at XXXXXXXX XXXX that I had a balance of XXXX. The date open is not correct, date last active is not correct on XXXX credit reports, date of last payment is not correct on XXXX credit Report. 

Which is a violation. This is impacting me from moving forward to buying a house for my family. 

Im ready to buy a home for my children. Im a XXXX XXXX and this collection with false statements are holding me back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: TX

Complaint narrative:
On XXXX XXXX XXXX  I contacted Equifax Consumer Reporting because I was unable to access my credit report online. Upon speaking with the agent and resetting my password I received an error message that requested I contact Equifax and provide them with the code XXXX. Equifax system shows that my entire credit report was blank with no information being reported. The agent informed me that due to technical issues she was unable to assist me and that she was sending my request for immediate support and the issue should be resolved in 30 min to 24 hours. To date, Im still unable to retrieve my report or score and its impacting my ability to qualify for a mortgage loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: ND

Complaint narrative:
Someone opened 2 credit card accounts at comenity bank with my info name number ssn and address and they charged a total of XXXX grand in a state I never have ever been but when the bank tried to investigate it they didnt show fraud since it was opened using my info and the bank wont remove the fraud charges and want me to pay it, It accused on XX/XX/22 or so And I filed a police report and the detective said I shouldnt have to pay the fraud charges and attached is the reference number for the police report

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
In XX/XX/2022 I received a tax escrow analysis from SLS that was in accurate. The payment each month has increased by {$500.00} and will increase again by another {$300.00} soon due to miscalculations from the tax department. I have called every XXXX or XXXX weeks for the past XXXX months to try to get this issue fixed. I get the runaround constantly and am transferred back and forth between customer care and tax and escrow departments and no one gives me any answers. I have escalated the issue to a supervisor with no response multiple since the tax department is not able to complete basic math. My property taxes are {$7100.00} and they are charging me double and will not fix the error as hard as I try to get an answer. The customer service for this company SLS is the worst Ive ever experienced and Ive had XXXX mortgages in the past. They tell me to call back when theres a supervisor and then the supervisor transfers me to customer care, and I have spent hours on this issue I dont have an extra {$800.00} each month to pay to my mortgage that they will keep and refund me in a year. I can not get a resolution from this company and Im very concerned about the fees and can not get any assistance.

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 2023-04-13 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: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
I was notified on XX/XX/2023 by XXXX credit bureau of a delinquent account from Eastern Account System, Inc. on behalf of XXXX XXXX XXXX. 

I do not/have not had an account with XXXX XXXX XXXX, and I have no affiliation with the reference to address in XXXX, Florida. 

This is not my account and somebody is using my name and information fraudulently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: TX

Complaint narrative:
This is now my THIRD complaint against Equifax regarding account XXXX. Equifax in their last response stated that they mailed me results of their investigation. The problem with this is I submitted new information in my last complaint. XXXX XXXX XXXX explained that the account was placed with " XXXX XXXX XXXX XXXX XX/XX/2018 because the account was past due and I spoke with them, XXXX XXXX XXXX about this account. However Equifax is allowing this account to show that it was with XXXX from the time it was opened to close. IN addition the practices that XXXX and XXXX XXXX Used directly violates the FDCPA. In my last complaint I included the letter I received from XXXX explaining the account as well as the FDCPA and instead of Equifax looking at the information they gave me a generated automatic response. As a consumer I have the right to a credit report that is 100 % accurate. When a consumer submits a complaint the Company is supposed to look at all documentation in connection with the complaint and then make a decision. Equifax did not do that. Until now I have kept all of my complaints private in hopes that we can get this resolved but I see now that Equifax allow malpractice in handling complaints and disputes. This leads me to believe that they have done this to several people. So this complaint will now be public in an effort to encourage others not to be bullied by Equifax and when something is inaccurate on their Credit Profile the Bureaus have a duty to correct it. We all have the right to a Credit Report that is 100 % accurate and also have the right to dispute inaccurate information on our credit report according to the FCRA. I understand that disputes can be time consuming and may cost the Bureaus however it is their job and duty. I will be including the last complaint with this, along with the letter from XXXX admitting that they did not have the account and I spoke with a third party who also didn't honor their agreement thus violating the FDCPA which then means this account isn't verified. It is inaccurate and needs to be removed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
XX/XX/XXXX - International Wire Transfer to XXXX XXXX XXXX in the amount of XXXX USD submitted. ETA of Transaction available at the recipient bank on XX/XX/XXXX. 

XX/XX/XXXX - Contacted HSBC support to find out about the status, as one of the wires for a smaller amount submitted on the same day had cleared. I had asked for the MT103 document to ease troubleshooting. They asked me to wait for the XX/XX/XXXX date. Sent an email to the premier team supporting the relationship which remains unaddressed. 

XX/XX/XXXX - Contacted HSBC support over phone to find out about the wire status, as the money was not received. I asked again for Mt 103 to expedite troubleshooting with the recipient bank. HSBC provided me with UETR and Transaction Reference number and two different support agents refused to provide an MT 103. 

XX/XX/XXXX - Contacted HSBC support again, now over chat, so that I could have the long string of characters of UETR in a written form ( the bank refused to email it to me ). Requested MT103 one last time and was denied the document again XX/XX/XXXX - The recipient bank could not locate the wire with the details provided ( UETR and Transaction Reference Number ) and refused to provide the status on the production of the MT-103 ( the wire investigation is open ) This is the second time something like this happens with HSBC - last time it took weeks for the wire to clear and I couldn't pay my parent 's medical bills in a reasonable time. 

All the conversations are done over the phone and through their dedicated chat app ( unable to take screenshots )- which it makes it so that I am unable to produce proof of the interactions other than my phone records

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: DC

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: TX

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: KS

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the 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 2023-04-13 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: LA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: MI

Complaint narrative:
I was contacted multiple times by phone by a company calling itself " Wakefield & Associates ''. When I answered their call about six months ago, a man named XXXX told me I owed roughly $ XXXX {$250.00} which I had never been notified of. I requested that they send a debt validation letter but they said they already sent one and said it was sent to some po box I didn't recognize. I gave them my actual address so that they could re-send the validation letter but I never received the letter. They stopped calling after that so I assumed it was a scam. 

Then on XX/XX/XXXX, I noticed that they put a hit on my credit report. I disputed it and it was removed from all three credit services that day. 

Despite all this, I just received another call from XXXX at Wakefield & Associates today.

Company response to consumer: Closed with explanation