vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-15 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: PA

Complaint narrative:
I noticed multiple inquiries on my credit report I do not recognize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: PA

Complaint narrative:
I noticed multiple inquiries on my credit report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
XXXX Card services have two hard inquires on my credit report that were NOT made by me or with my consent. I am want these inquiries removed from my all three credit reporting agencies. They will need to submit a deletion letter to me so I can notify the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: OH

Complaint narrative:
I have reached out to both XXXX XXXX XXXX XXXX and EQUIFAX about the fraudulent account opened XX/XX/XXXX Account number XXXX on my Equifax credit report. This account was FRAUDULENTLY OPENED AND NEEDS TO BE BLOCKED AND REMOVED! 

I have sent Equifax and the furnisher, XXXX XXXX XXXX XXXX a notarized Police report, Federal Trade Comission Identity Theft Affadavit and supporting Identitfcation documents along with a formal request for deletion of this account and a fraudulent credit inquiry ( syncb/paypal XX/XX/XXXX ). 

I DEMAND FOR THIS FRAUDULENT INFORMATION BE BLOCKED AND REMOVED FROM MY CREDIT REPORT BECAUSE IT IS HINDERING MY FINANCES AND LIFE! I AM A VICTIM OF IDENTITY THEFT AND AND REQUESTING ASSISTANCE IN FIXING THIS PROBLEM!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I have attempted to reach out to this company for an explanation of why my limit was decreased on 3 of my store cards ( NY and XXXX XXXX XXXX XXXX and XXXX XXXX ) All of these cards are serviced by Comenity. I did not receive anything stating this. I also was told by the rep I should have received an email, with such information and an email was not sent. Comenity has done this before, when I made a large payment taking my cards balance down to below the half way point. The limit decrease placed on all three cards took the limit down exactly to the limit causing an adverse affect on my credit score. My current overall utilization over all of my cards is below 30 % and my fico is in a fair range. There is no explanation from this company other then contact the credit bureau. I feel these are unfair and adverse practices, to me as an consumer. No one I spoke with had an answer for what Comenity has done other then a blanket statement. Mind you this card is paid on time all the time. The only option given was to apply for a limit increase which would be an hard pull on the credit report. These practices from this company are abusive to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: MI

Complaint narrative:
I have enrolled into XXXX XXXX XXXX because I was told I would be able to get a job right after my XXXX XXXX in XXXX. That did not happen. In XXXX, I worked hard and received my XXXX XXXX. After my XXXX, I requested to change my major and my field of study and was denied. Due to that, in XXXX, I started working for my XXXX XXXX with no other choice. I was not able to complete a class with a grade that they wanted, so the University kicked me out with only a half or a quarter credit left on my XXXX. I have never been able to find a job with any of my degrees. Now, I am homeless doing my best to find a solution to not have my wife and I on the streets this winter. Unfortunately, I can not work in any hard or medium labor jobs that don't require degrees due to XXXX, XXXX, XXXX, and many more problems resulting from a car accident. I was told years ago that I would not make it to XXXX and without a job or insurance I can't even find a doctor who will help me with my health. Without the doctor, Social Security XXXX keeps denying me for benefits due to lack of medical records that last 6 months. Without having any job or form of income, minus my wife 's social security for her XXXX , I am unable to care for myself or my family. With only my wife 's Social Security ( {$790.00} ), my credit report dragged down with student loans, and unable to find a job I can do in my field, we can't even get into the lowest form of trailer park that's only {$400.00} a month, which was our last hope before winter. If I pass away sometime soon, my wife would have to deal with the {$100000.00} of FedLoan debt because I was scammed when I was younger and believed the promise of a job which would of lead to a good life for my family and I. I feel useless and less of a man for it and wish I could change a lot that happened in my life so my family and I are not on the streets anymore and I can make sure there is always " bacon '' in the fridge because I should have been " bringing home the bacon '' and supporting my family with my degrees. Thank you for taking the time to check this out. I appreciate this a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: OK

Complaint narrative:
XXXX XXXX has several hard inquiries on my credit report that I did not authorized. These come from the date ( s ) of XX/XX/2020. They appear from the name ( s ) of XXXX XXXX XXXX and XXXX. I am asking that they be deleted from credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: OK

Complaint narrative:
XXXX XXXX has several hard inquiries on my credit report that I did not authorized. These come from the date ( s ) of XXXX XXXX 2020. They appear from the name ( s ) of XXXX XXXX XXXX and XXXX. I am asking that they be deleted from credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
I have been getting constantly harassed by the company whom goes by the name " Atlas Credit CO. , INC. ''. They've used aggressive and illegal tactics by showing up to my home and banging on the door ( a neighbor witnessed this through the peep hole ) This is a direct violation of the " Fair Debt Collection Practices Act '' section 806 Harassment or abuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: GA

Complaint narrative:
My name is XXXX XXXX. I received a notification from my credit monitoring service about recent inquires. So I pulled my credit report and noticed unauthorized inquiries listed on my credit report. I have contacted XXXX XXXX XXXX XXXX and they stated it was not mines, however, they can not remove from them as an inquiry and I have to go through the credit bureau. They have been given the run around. They have stated that there was no accounts in my name I am not responsible for but stated I need to contact the credit bureaus as well. I have been a victim of identity theft in the past and this really scares me. I want to take any action possible to settle this asap please. Someone have applied for items in my name and they need to be removed. I have frozen my credit report as well for added protection. According to the Fair Credit Reporting Act, they items must be removed. These are listed on my Transunion Credit Report. The unverified inquires are listed below : XXXX XXXX XXXX XXXX XXXX XXXX 2021 XXXX XXXX XXXX XXXX XX/XX/2021 2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
XXXX, XXXX and XXXX have to ignored my previous request and 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 and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this account listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from 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 2021-09-15 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: FL

Complaint narrative:
SEE ATTACHED CREDIT INFORMATION

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: FL

Complaint narrative:
On XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report. On XXXX XXXX the agency sent a letter stating they had completed their investigation and the items were not deleted, as requested. This concerns me as I do not understand how they arrived at this conclusion since this information is indeed incorrect. I feel like I'm being taken advantage of of and being ignored by my disputes. I demand these accounts be deleted immediately or I will file for ligation due to the stress they have cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: OK

Complaint narrative:
XXXX Card services have two hard inquires on my credit report that were NOT made by me or with my consent. I am want these inquiries removed from my all three credit reporting agencies. They will need to submit a deletion letter to me so I can notify the credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: OK

Complaint narrative:
XXXX Card services have two hard inquires on my credit report that were NOT made by me or with my consent. I am want these inquiries removed from my all three credit reporting agencies. They will need to submit a deletion letter to me so I can notify the credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc.
State: NY

Complaint narrative:
Debt collector IC Systems re-aged an account and added it to my credit report on XXXX XXXX, 2021. The account is being reported as 2 months old when in fact it was previously reported by IC systems, then removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Verisk Analytics Inc
State: WI

Complaint narrative:
Several times I've tried to work with LCI you deleted the bankruptcy they're listing on my consumer report. I've sent emails and letters inquiring as to how they got their information and how they supposedly verified the accuracy of said bankruptcy.

They willfully refuse to delete the bankruptcy even though it can not be properly verified due privacy issues. Per Rule 9037 of the Federal Bankr
uptcy Procedures section 205 ( c ) ( 3 ) that addressed privacy issues, the bankruptcy can not be verified due to information being redacted, such as a person 's full SSN ( only the last 4 digits of a social security number is listed ). This means that LCI is unable to properly prove that the Bankruptcy listed belongs to me. Furthermore, per the FCRA, XXXX is not a proper verification of a bankruptcy as the information is fished from the XXXX system and not actually reported to LCI. 
Per the FCRA, if a bankruptcy can not be proven with absolute certainty that it belongs to a consumer it is to be deleted. 

To date LCI refuses to comply with the FCRA or Federal Rule XXXX, they continue to site Pacer which as I've described above is fraudulent on behalf of LCI. It should be noted that XXXX XXXX deleted the bankruptcy to be in compliance with FCRA and Federal Rule XXXX. Yet LCI refuses to comply leaving themselves up to lawsuit and fines.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: I.C. System, Inc.
State: AZ

Complaint narrative:
XXXX re : IC System Inc. 
I contacted XXXX on XX/XX/2021 to begin a dispute against the above Collection Agency. The dispute is stating that IC System is reporting inaccurate information. Based on FCRA, the DOFD that must be reported is date of delinquency. The Collection Agency illegally re-aged the account and committed a serious violation. Attached are copies of my dispute results from XXXX along with copies of the communication received from IC System Inc. verifying the CORRECT dates. I previously called IC System Inc. and was told that I had to write a letter and mail. I am an unvaccinated person and don't really go out to Post Office and this was an undue burden for me. The person on the phone was rude and unwilling to cooperate although I have the PROOF of the inaccuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My loan was with Saxon in XXXX. Saxon sold to Ocwen. We had a variable loan and knew we had to refinance to a fix, but at the time the market crashed and the value of our home plunged. The county blocked jumbo loans to refinance. We were stuck. Saxon sold to Ocwen. This was when all our problems started. Our loan started out around 2.5 %. Every six months Ocwen raised my interest rate. The contract stated the cap was 2 % over the federal, At one point, the interest rate because 9.7 %. We were struggling to make the payment. Three times we filed for modification - denied. We had to file Chapter XXXX bankruptcy in XXXX. During this time Ocwen 's record of payments were not accurate. Ocwen sold to PHH Mortgage. We now had a bigger issue. Payments were not being recorded correctly. In XX/XX/XXXX, my husband passed away. With the life insurance, the bankruptcy was paid off according to what Ocwen had filed that we owed. I was discharged and the case was closed. Or so I thought. They didn't honor the discharge. They have rejected my payments by returning them. They have threatened to foreclose. Even after sending proof that all payments were made, they refuse to accept the proof. I've asked them repeatedly to explain how the payoff was applied to my account. As of yet, no answer. The amount of interest paid in XXXX was not accurate ; they refuse to give me answers again. There is a list of 20 issues of concerns and supporting documents too large of a file to upload, so a CFPB agent suggested that I mail the list of concerns and supporting documents by mail. My agent was SO knowledgeable and supporting, that I cried from renewed hope.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
On XX/XX/2021 I was involved in a scam where I was mislead as to where my money was going. I was told I was sending money to a moving company because I had just moved into the area. I sent them {$1000.00} to move a couch through XXXX. The XXXX I sent it to was XXXX. The number that was contacting me from this scam was XXXX ( XXXX ) XXXX. I reported it to my bank on XX/XX/2021. This was the day I was supposed to get my couch moved. The day I reported it I was told my money was transferred to a XXXX XXXX  but no other information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: CA

Complaint narrative:
This company keeps emailing me notice about owing money to them. They use my email address but the person they are trying to contact is not me. I tried calling them but they would not speak to me about the issue because I am not the party that they are addressing the matter to. I have repeatlly sent back their email to let them know to stop and that my email is not the correct one. Have now told them that I intend to report them. Now I am. This has been going on for over a year and I am sick of it. 

Please do something to stop them from contacting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief