vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-22 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: EQUIFAX, INC.
State: IL

Complaint narrative:
ISSUE No. 1 : EQUIFAX will not send me a copy of my credit report. 

I have written to Equifax ( Certified Return Receipt ) seven ( 7 ) times, since XX/XX/XXXX, to request various corrections and to request my credit report. I have provided Equifax with multiple copies of valid Identification ( i.e., copies of Driver 's License, SSN card, and current Utility bills ). 

For each request to Equifax, I received a standard letter stating " we were unable to locate a credit file in out database '' ( even though the requested corrections would be made to my online Equifax account ). The dates written are as follows : 1 ) XXXX ( U.S.P.S. Certified Mail Receipt ) 2 ) XXXX ( U.S.P.S. Certified Mail Receipt ) 3 ) XXXX ( U.S.P.S. Certified Mail Receipt ) 4 ) XXXX ( U.S.P.S. Certified Mail Receipt ) 5 ) XXXX ( U.S.P.S. Certified Mail Receipt ) 6 ) XXXX ( U.S.P.S. Certified Mail Receipt ) 7 ) XXXX ( U.S.P.S. Certified Mail Receipt ) ISSUE No. 2 : Equifax has completed deleted my credit history!!! 

Today, XXXX, I logged into my Equifax online account only to discover that Equifax has deleted my entire credit profile. The online Summary states, " Credit File States : No Indicator on file ; Average Account Age : 0 Year, 0 Month ; Length of Credit History : 0 Year, ) Month. '' THIS IS NOT ACCURATE!!! I have had active credit account, reporting to Equifax for greater than 20 years. 

This same report also has an outdated address, which was previously corrected in XXXX. 

I attempted to dispute this error online and Equifax would not allow the dispute. I was also not able to reach Equifax via phone due to excessively long hold times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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 requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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 2022-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: MS

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 AFNI ( Original Creditor : 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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 2022-03-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There are auto loan inquiries reporting on my credit report and its so many. I tried to call them but the companies were so nasty and saying theres nothing that they can do they deal with third party. I never applied for any car loans and it has destroyed my credit. I worked so hard with my home and trying to keep everything paid during the pandemic and here goes these inquiries that I did not authorize showing up. from many companies like XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also the three Credit Bureaus are not updating my credit score properly, I had a 99 % -100 % pay rate and debt to ratio have been where its suppose to be and I have never obtained a 730 + credit score even with me owning my own home and paying off vehicles. Even while being a victim of Equifax fraud victim, they still have not updated me on the status of my compensation on that issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I missed a payment for Kohls XXXX in XXXX. I have been with them for over 10 years and have never missed before. My parents both came down with XXXX after XXXX and my father ended up in the hospital for almost two weeks battling the virus. Obviously the last thing I was thinking about was my Kohls payment. I sent the company an email explaining what happened and their response was late fees removed so they did not even read the letter. I've since called and they say they can not remove it under any circumstance. To make things worse we were in the process of buying a house and now that late payment may very well ruin the whole deal. Couple years back a Kohls employee stole my card and charged merchandise on it and I forgave them but now what should be a very simple fix has left me discouraged in people. I also understand there is a cares act just for this so I'm hoping for some help in a very simple matter esspecially with the impact of covid-19 and what I was going through.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX has listed an account for collections on my credit report for over XXXX XXXX I have disputed this more than five time with transunion including documents that i an a victim of identity theft! I was involved in two major data breeches. I also reported this to XXXX. Yet they still considered this to be a valid account. I was incarcerated when this account was opened it in not possible that i applied for a credit card while in prison. I also have records from the prison of my time incarcerated. This needs to come off my report as i have done everything i was suppose to. I reported it with the identity theft bureau and have a freeze on 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 non-monetary relief
Consumer complaint received 2022-03-22 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 requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.

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 2022-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-03-22 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: SC

Complaint narrative:
Upon reviewing my consumer report i recognized some inaccuracies on my credit report that have hindered my ability to extend credit. According to Congress of the United States pursuant to title 15 USC 1781 an inaccurate and unfair credit report directly impairs the efficiency of the banking system undermines the public confidence which is essential to the continued function of the banking system. I require the 2 fraudulent collection accounts on my consumer report by XXXX XXXX XXXX opened XXXX XXXXbe deleted and removed immediately and its fraudulent and innacurate nature is very damaging to my reputation, My Consumer rights have been violated and this unfair reporting has hindered me from enjoying the pursuit of happiness as gauranteed by the constitution in accordance with FCRA 650 title 14 USC 1681c-2 Block a consumer reporting agency shall block the reportingof info on a consumerr file that identifies as resulting from identity theft. I require this account be removed 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 2022-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
All my debts are gone and they are not reflecting the numerical score that matches my profile, my numerical score went to 4 from being in the 100 's. I can no longer even see a score on XXXX. This negative/derogatory reporting is infringing and limiting my liberties. I have NO debt and no score, how are they allowed to do this to a person. 

Failed to report the fact I do have a 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 explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.

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 2022-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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 2022-03-22 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION
State: CA

Complaint narrative:
Sallie Mae has recently reported 6-7 delinquencies on my credit report. A payment was made in the amount of {$790.00} on XX/XX/22 before XXXX XXXX  that day. A rep told us as long as the payment was made before midnight on XXXX. We would not be reported. Sallie Mae then reported to my credit report a week later. I want these delinquencies taken off my credit report and my points restored. Sallie Mae has destroyed my credit. I've never had bad credit until my son opened up student loans with them. They are the worst financing company by far! Believe the reviews!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: MD

Complaint narrative:
On XX/XX/2021, I completed my first time homebuyer program. When the counselor pulled my credit we found out that I had in my credit more than 19 accounts that don't belong to me. Immediately I contacted the 3 bureau and asked them to remove the information from my credit report. We sent a package with my drivers license, copy of the credit report, XXXX letter from the IRS, and the police report.

After sending all the mentioned information we call the 3 bureaus and they told me that they didn't have any records or information on my name in their system.

As you can verify in my credit the names and date of birth didn't match with my XXXX  and Drivers License.

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 2022-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells fargo accepted my 1st payment of XXXX via XXXX  saving/prepaid gov card. Now that I owe XXXX they XXXX  refusing XXXX accept payment unless my act goes into default. This is not acceptable! It is in good standing and I needXXXX have it that way as I am applying for mortgae housing so much as XXXX  doing may make me loose the home XXXX am applying for. These XXXX  their typical ussuary playbook tactics they XXXX notorious for. They must take payment from me from an acct they've already accepted payment from and stop playing these games

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