vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Good day, please assist me in getting an answer about why each credit bureau XXXX, Experian and XXXX  have been slow in upgrading my credit score since XXXX. My wife and I filed for bankruptcy in XXXX and divorced recently, but have met all our obligations according to bankruptcy rules. I alone have made consistent regular payments on an auto purchase since XXXX but the 3 main credit reporting bureaus listed above have not used the auto purchase payments as a factor in being credit worthy it seems. I don't have any credit cards as I normally pay for everything through 2 different bank debit cards. It appears the 3 main credit bureaus want me to obtain a credit card, and will only evaluate and award higher scores based solely on information received from those having credit cards. I believe this practice is unfair and would like an investigation.

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 2021-07-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX, Equifax and XXXX  are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: EQUIFAX, INC.
State: MO

Complaint narrative:
My identity has been compromised, stolen, and even could be found on the dark web. A research of my credit files that's being improperly reported by the 3 major reporting agencies has disclosed these unauthorized fraudulent accounts, these accounts do not belong to me. I never once was in business with any of these creditors. Therefore, it is my responsibility to bring this to your attention and for you to remove such fraudulent accounts. The accounts are as following. 

1 ) XXXX XXXX 2 ) XXXX XXXX {$370.00} 3 ) XXXX XXXX XXXX {$320.00} 4 ) XXXX XXXX XXXX {$170.00} 5 ) XXXX XXXX XXXX {$340.00} 6 ) XXXX XXXX XXXX {$1200.00} 7 ) XXXX XXXX XXXX {$50.00} 8 ) XXXX XXXX XXXX {$150.00} 9 ) XXXX XXXX XXXX {$55.00} 10 ) XXXX XXXX XXXX {$200.00} 11 ) XXXX XXXX  XXXX {$100.00} 12 ) XXXX {$20.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
My identity has been compromised, stolen, and even could be found on the dark web. A research of my credit files that's being improperly reported by the XXXX major reporting agencies has disclosed these unauthorized fraudulent accounts, these accounts do not belong to me. I never once was in business with any of these creditors. Therefore, it is my responsibility to bring this to your attention and for you to remove such fraudulent accounts. The accounts are as following. 

1 ) XXXX XXXX  2 ) XXXX XXXX {$370.00} 3 ) XXXX XXXX XXXX {$320.00} 4 ) XXXX XXXX XXXX {$170.00} 5 ) XXXX XXXX XXXX {$340.00} 6 ) XXXX XXXX XXXX {$1200.00} 7 ) XXXX XXXX XXXX {$50.00} 8 ) XXXX XXXX XXXX {$150.00} 9 ) XXXX XXXX XXXX {$55.00} 10 ) XXXX XXXX XXXX {$200.00} 11 ) XXXX XXXX XXXX {$100.00} 12 ) XXXX {$20.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Account Name : BARCLAYS BANK DELAWARE Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my Credit Report. 


Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my Credit Report. 


Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it 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 2021-07-13 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Upon checking my credit report on XXXX, I noticed various " hard inquiries '' from companies from which I've never applied for a loan. 

On my Equifax report, a hard inquiry is shown XXXX XXXX, XXXX dated XX/XX/2021. I did not apply for any product with XXXX  ( or any brand or company owned by XXXX  ) on that date. 

I reached out to XXXX via email on XX/XX/2021, and followed up on XX/XX/2021, asking them to investigate and remove these unauthorized hard inquiries. I did not receive a response. 

On my XXXX  report, a hard inquiry is shown from XXXX XXXX for the same date, XX/XX/2021. I contacted XXXX customer support on XX/XX/XXXX and followed up again on XX/XX/XXXX, but the team did not investigate the unauthorized hard inquiry nor remove it from my report. 

I would like these unauthorized inquiries removed from my credit reports, as they are damaging my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: CURO Intermediate Holdings
State: IL

Complaint narrative:
Upon checking my credit report on XXXX, I noticed various " hard inquiries '' from companies from which I've never applied for a loan. 

On my XXXX  report, a hard inquiry is shown Curo Management, LLC dated XX/XX/2021. I did not apply for any product with Curo ( or any brand or company owned by Curo ) on that date. 

I reached out to Curo via email on XX/XX/2021, and followed up on XX/XX/2021, asking them to investigate and remove these unauthorized hard inquiries. I did not receive a response. 

On my XXXX  report, a hard inquiry is shown from XXXX XXXX for the same date, XX/XX/2021. I contacted XXXX customer support on XX/XX/XXXX and followed up again on XX/XX/XXXX, but the team did not investigate the unauthorized hard inquiry nor remove it from my report. 

I would like these unauthorized inquiries removed from my credit reports, as they are damaging my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: ENOVA INTERNATIONAL, INC.
State: IL

Complaint narrative:
Upon checking my credit report on XXXX, I noticed various " hard inquiries '' from companies from which I've never applied for a loan. 

On my XXXX  report, a hard inquiry is shown XXXX XXXX, XXXX dated XX/XX/2021. I did not apply for any product with XXXX  ( or any brand or company owned by XXXX  ) on that date. 

I reached out to XXXX via email on XX/XX/2021, and followed up on XX/XX/2021, asking them to investigate and remove these unauthorized hard inquiries. I did not receive a response. 

On my XXXX  report, a hard inquiry is shown from Netcredit Fs for the same date, XX/XX/2021. I contacted Netcredit customer support on XX/XX/XXXX and followed up again on XX/XX/XXXX, but the team did not investigate the unauthorized hard inquiry nor remove it from my report. 

I would like these unauthorized inquiries removed from my credit reports, as they are damaging my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: COMMUNITY FINANCIAL SYSTEM, INC.
State: NY

Complaint narrative:
Vehicle was purchased in XXXX {$6000.00} down 36 months of payments of {$560.00} grand total approx {$28000.00} After the 36 months I called the bank and asked for the lien release. One week later I received a new payment book with 42 additional payments at {$560.00} for an additional {$23000.00}. which would make this used XXXX XXXX XXXX  with XXXX miles {$52000.00} in XXXX. Community Bank stated to my attorney something definitely wrong XXXX used truck no way is {$52000.00} XXXX XXXX XXXX definitely messed up on the loan. The XXXX XXXX sheriff 's deputies to my truck during the covid pandemic when our mayor made the cares act law. Community Bank valued the truck at {$17000.00} which they had posted a bond for double the value. So my question is how does a vehicle depreciate {$35000.00} in 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: TX

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: NY

Complaint narrative:
Good day. 

First, I will be expressing the total dismay and stress these accounts have been causing me. So, on XXXX, I had a letter sent out regarding inaccurate accounts on my credit report. To my knowledge, I should receive a response in any form about my request. It has been over 45 days, and to this day I have not received ANY messages or responses. This is very stressful and I feel upset for their lack of responsibility. According to Section 611 ( a ), failure to investigate items within a 30 day time frame will result in the immediate deletion of items. I want to exercise my rights and have these accounts removed from my credit report. If I am still neglected and ignored, I will file for a litigation. 

I appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Why cant i get approved for a apple card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I am in the process of buying a house and can not do that and provide for my family with these inaccurate accounts on my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I am in the process of buying a house and can not do that and provide for my family with these inaccurate accounts on my credit report. 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 non-monetary relief
Consumer complaint received 2021-07-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX  are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2021 I received a text alert stating we had spent XXXX to a private label cosmetic store. I immediately contacted chase and told them my husband and I did not make this authorization and they started a fraud claim and put the money back in our account while they investigated. They cancelled my husbands debit card which we both still had ours and they sent him out a new one because it was his information that was compromised. We just received a letter on XX/XX/XXXX from chase stating that after investigating they found us reliable for the charges and they would be removing the XXXX from our account once again. I called chase and a customer service representative stated that the address, email, name, card, and IP address were all linked to my husband and the investigation was closed. I still told them that we did not make this purchase and his information must have been compromised online. They told me to file a police report which I also did yesterday XX/XX/XXXX and to contact the merchant directly. They provided me with a website XXXX  but they did not have a number. I went to the website and also found no number to get in contact with somebody. I called back letting them know that I did what they told me and they told me there was nothing else that can be done and we are responsible for the charges. We did not make that purchase and I was prompt with will calling immediately as soon as we seen the charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting this account or if this account even belong to me. I have sent 4th dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Hello, I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed these inquiries for accounts I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
My mortgage company Nationstar ( Also known as Mr. Cooper ) settled with CFPB for around {$91.00} XXXX dollars this past XXXX, 2020 to resolve wrongdoing mortgage complaints against them. To date, I have not received any letters or notifications from them about the settlement even though I have written letters of complaints about them and to them in the past about unexplained and unverified penalties they have placed on my mortgage loan that I am still paying for due to their accusations of non-payment when my loan was serviced by Aurora Loan Services before they went under.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: InterLinc Mortgage Services, LLC
State: OK

Complaint narrative:
I have had problems with Interinc mortgage since day one. But this problem has been reoccurring since closing. They have failed to pay my escrow, raised my mortgage amount, double billed my account and it keeps happening. I have unauthorized charges and feel targeted by this company personally.

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 2021-07-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: RI

Complaint narrative:
I see multiple 120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I disputed it. They say i owe this company but i never had electric with this company. I only used XXXX XXXX XXXX XXXX. My identity was stolen. I have no idea of who they are. I live in ohio only. Never got electric anywhere else. My gas was XXXX. This is fraud.

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 2021-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Account Name : WELLS FARGO Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$110.00} Reason : Identity theft Please remove it 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