vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-13 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: MN

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: MD

Complaint narrative:
From XX/XX/XXXX until XX/XX/XXXX, I had an auto loan with the XXXX XXXX XXXX XXXX in XXXX, MD. I had my first delinquency in XX/XX/XXXX, while I was in XXXX school and, unknown to me, my father was gambling the money that he should've been using to pay XXXX  ( given that I was a XXXX XXXX XXXX  ). Given that it's been about seven years since my first delinquency, I filed a dispute with Experian to request that XXXX drop it from my credit report. 

Instead of dropping the dispute from my credit report, XXXX or Experian ( I am not sure which ), updated my account to reflect that it was closed in XX/XX/XXXX instead of XX/XX/XXXX. This is inaccurate. It also removed all of the on-time payments I had had prior to XX/XX/XXXX from my credit report. 

I have worked extremely hard since graduating from XXXX school in XX/XX/XXXX to clean up my credit and now have an extremely high score. I feel this mistake is going to make me look less credit-worthy than I actually am, which is coming at a time when I am beginning the process to buy a home.

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 2022-07-13 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: GA

Complaint narrative:
Hi. I have sent many different verification letters to the credit bureaus in regards to the inaccuracies across my credit report. I told the credit bureaus that there are inaccuracies in names, addresses and companies that I did not recognize as well as inaccuracies in the dates across the board. All of the credit bureaus, for the last 4 months have verified this information. Until this day none of the dates are aligned so how can you say you verified the information? Aren't the reports supposed to be accurate at all times In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX have violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy. 
15 U.S.C. 1681 Section 604 A Section 2 states a consumer reporting agency can not funrish an account without my written instructions

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 2022-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Hard Inquires Listed Below -XXXX XXXX XXXX XXXX XXXX  - 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 2022-07-13 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: IL

Complaint narrative:
Hi my name is XXXX XXXX and I'm submitting this and this isn't any influence and this is not a third party. XXXX, XXXX and Equifax has low and unfair credit number for me in their reports. I have complained. The problem has not been resolved. my fico has me at a credit score over 719 XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX XXXX  my fico say I have good credit. What the heck is going on here. I have almost no debt and my identity was stolen causing my score to drop and I made this clear for 60 days straight with XXXX, XXXX, and Equifax when I spoke to a representative agent for XXXX name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rep but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. 
They refused or were unable to verify and remove the inquiries and its been 60days and they record the calls and admitted they had my police report, ftc, and affidavit. That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer and now I'm XXXX  and can't provide for my children PLEASE HELP ME PLEASE and I'm XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi my name is XXXX XXXX and I'm submitting this and this isn't any influence and this is not a third party. XXXX, Experian and XXXX has low and unfair credit number for me in their reports. I have complained. The problem has not been resolved. my fico has me at a credit score over 719 XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a low life my fico say I have good credit. What the heck is going on here. I have almost no debt and my identity was stolen causing my score to drop and I made this clear for 60 days straight with XXXX, Experian, and XXXX when I spoke to a representative agent for XXXX name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rep but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization.

They refused or were unable to verify and remove the inquiries and its been 60days and they record the calls and admitted they had my police report, ftc, and affidavit. That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer and now I'm XXXX  and can't provide for my children PLEASE HELP ME PLEASE and I'm XXXX  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 non-monetary relief
Consumer complaint received 2022-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Alpha Recovery Corp
State: CA

Complaint narrative:
I owed money/funds from XXXX XXXX XXXX However ; financial hardship came and I tried to settle my debts with XXXX XXXX XXXX BUT it did 't work since XXXX  XXXX did not do what they have promised based on what was agreed. I realized freedom was not paying my creditors accordingly, instead they want more money to start repaying my debts. One of the lenders included in debt consolidation was XXXX XXXX. I tried to correct what was already damaged, they XXXX XXXX XXXX stated my loan is already in collection, therefore ; I have to coordinate with them. XXXX XXXX  did not mentioned the name of Alpha Recovery Corp. until I received a call at work by the name XXXX or XXXX with phone number XXXX. She was aggressive, I asked not to call my work number instead call my cellphone. But whenever, XXXX calls and I missed to answer my cell phone during working hours she would then call our office and asks for my name. Our receptionist would then transfer the call. I made a verbal settlement over the phone with Alpha recovery corp., I believed XX/XX/XXXX to start in XX/XX/XXXX not sure the exact date. I will have to go my bank to recover 3 years of statement to be able to get full payment detail since Alpha never provide payment history statement. the last harassment they did was XX/XX/XXXX / XXXX XXXX they said they will call back XX/XX/XXXX to review my debt. I have been calling them since XX/XX/XXXX, during their business hours, machine answers all the time saying " our office is currently closed, please call during office hours '' I have been calling XXXX and XXXX, no one answered. I tried going online using their website address the site can't be reached. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: LEXISNEXIS
State: GA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate information reporting on my credit report for a bankruptcy I also reached out to the courts and they stated we do not report to 3rd party credit reporting agencies. This company tacky behavior is violating my privacy rights, its been over 60 days later and I have not received a response back via mail. This company have been taking advantage and ignoring all my disputes. According to Section 611 ( a ), it is stated that a failure to investigate all items within 30 days gives a reason to immediately remove the all listed items from my credit report it has been over 60 days so this item should be deleted immediately. I demand this account be deleted 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: FL

Complaint narrative:
On XX/XX/XXXX I filed a complaint against XXXX XXXX via the CFPB about them threatening and taking negative action on my credit report. I have disputed the result that were provided to you by XXXX XXXX with Equifax. Equifax has failed to update my credit report and is still reporting monthly status of Charged OFF on the closed account of XXXX XXXX. This action has caused negative result significantly on my credit report. On my credit XXXX credit report XXXX XXXX has reported a Repossession of the vehicle on XX/XX/XXXX and since XX/XX/XXXX up until this year XX/XX/XXXX Equifax and XXXX XXXX has reported a Charge off status every month for 5 years. This is reporting has hurt my credit score and caused me financial ruin

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-07-13 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-07-13 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP
State: CA

Complaint narrative:
This is a response letter to AAGs response to our complaint. .We are Not satisfied with AAGs response to our complaint because it is filled with discrepancies. .here 's why. .AAG mentioned in their response, people we have never heard of and had no business dealings with Whatsoever! Our closing date for our Reverse Mortgage Application was supposed to be before the end of XX/XX/2022. XXXX XXXX was the agent assigned to us by AAG. XXXX XXXX was our assigned Reverse Mortgage Loan Officer. Where did AAG get these names of other people we have never heard of? What we don't understand if they ( AAG ) discovered the Lien on XX/XX/XXXX, XXXX why did they say we were approved for the Reverse Mortgage early XX/XX/2022? They sent us the paperwork for the payoff of the mortgage to sign, which we did and our Mortgage Company even sent the acknowledgment which had to be paid off by XXXX of XXXX? Why did XXXX XXXX ( Agent ) and XXXX XXXX ( Loan Officer ) say our loan was closing by the end of XX/XX/2022? We have undergone several hardships because of AAGs handling of our Reverse Mortgage, we were turned down by AAG even after we had a loan number and everything! If AAG would have done their Homework in the beginning all of this hardship could have been eleveated!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
the account number is incomplete on all 3 of the credit bureaus that account can belong to anyone

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 2022-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
the account number is incomplete on all 3 of the credit bureaus that account can belong to anyone

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 2022-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NV

Complaint narrative:
Hello, On Thursday XX/XX/XXXX my Chime Debit card was forgotten at my local XXXX and then stolen. The thief made 3 transactions with local merchants and then started sending payments to a XXXX XXXX account ( presumably hers ) until all of the money in my checking account was gone. She continued to try to make payments to the XXXX XXXX account throughout the early morning hours in smaller and smaller denominations. Chime then sent me texts asking if these were approved ( no ) transactions or fraud ( yes ). I woke up at XXXX for work and noticed I had 5 or so of these texts. I then checked my checking account to find all my money was gone. I called a rep right away, and she said I had to wait until the payments posted for me to dispute them. 
The next step was to identify the XXXX XXXX account, her name is XXXX XXXX XXXX pull up some pictures of her, talk to the merchants about surveillance, and file a police report. Yesterday the transactions posted so I disputed them with Chime while providing all the details, including the police report and an " additional crime information report ''. This morning they had already rejected my dispute, providing no details as to why. I called them again and they told me to send all the details again via email, and they told me my rebuttal was likewise rejected with no info as to why. When I called back the rep said he would send me an email immediately so I could resend my rebuttal info. I never received another email, and none of my stolen money has been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: AZ

Complaint narrative:
I was shopping for a home refinance a couple months back and they reassured me that I would only get one hard inquiry on my credit report. All the pulls were within a short window and I have complained to Equifax XXXX XXXX XXXX. They removed one of the three and The other two are there days apart one on XX/XX/2022 from Equifax mortgage Ser The 2nd one is on XX/XX/XXXX from XXXX XXXX. 
They removed one but I was told in the short window can shop and only have one hard inquiry on your report. 
Thank you and kind regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: DriveTime
State: TX

Complaint narrative:
I was asked to cosign on a vehicle for my sister at Drive Time in XXXX of 2014. The vehicle ended up being a lemon and we had to file a complaint through the XXXX  in Arizona because the company here in XXXX said it had ties to the XXXX  here in Texas. The complaint was settled by allowing the return of the vehicle in exchange for my down payment and to remove ALL/ANY information used for the purchase of this vehicle from all three credit reporting agencies. i have recently pulled my credit and my sister has pulled hers and we have accounts on each others ' credit report with incorrect social security numbers and addresses that do not correspond to each others address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: FL

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX Account Number : XXXX, XXXX/ Accont # : XXXX XXXX  credit card/ Acct # : 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: FL

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX Account Number : XXXX, XXXX Accont # : XXXX XXXX  credit card/ Acct # : 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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