vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-07 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: MA

Complaint narrative:
Good Evening! Listen, I was going through my credit today and noticed that there are several un-authorized and un-known companies listed below trying to access my credit report without my written consent. As I was reading through the ftc and cfpb website and understand the fair credit reporting act - It says it clearly that Im protected under FCRA 15 U.S.C. 1681 ( b ), and Section 604, where the permissible purposes are when the consumer provides written permission and when disclosure is required by court order, firm credit offer, employment offer, etc.

I also contacted those companies listed below individually and asked them to take action to get these inquiries removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 

Again, I do not recall giving my authorization for this credit pull, please remove them all

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Santander is still reflecting a balance on my credit report although the account was paid in full on XXXX XX/XX/2020. The balance should be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: TN

Complaint narrative:
I have notified Great Lakes multiples times that the account they are reporting on my XXXX  credit file was a result of Identity Theft per the Federal Credit Reporting Act. I mailed them certified letters concerning the issue and asked them to inform XXXX  that this account was a result of Identity Theft. They have failed to do so. I also included a copy of the " Notice to Furnishers of Information '' per the FCRA. I submitted to Great Lakes a copy of my FTC Identity Theft report  and a copy of my police report. This company has failed to remove this Identity Theft account from my XXXX  credit report. Please make sure they adhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: VA

Complaint narrative:
I paid my full balance to XXXX XXXX XXXX XXXX XX/XX/2020. In XXXX 2020 I have been getting calls from a 'debt collector ' William and Fudge saying I owe {$340.00}. XX/XX/2020 XXXX XXXX informed me I owed {$1000.00}, I wrote a check for the total, exactly what XXXX XXXX informed me. There were no warnings from the school before or after that they would send anything to collections. Seems like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: AR

Complaint narrative:
I have filed multiple disputes with this company to let them know that this card is not mine and they need to delte it from my credit report. I've sent multiple ftc reports and sent them in police reports to remove this account from my report. It is not mine and needs to be removed from all three credit bureaus

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 2020-10-07 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: AR

Complaint narrative:
I have filed multiple disputes with this company to let them know that this card is not mine and they need to delte it from my credit report. I've sent multiple ftc reports and sent them in police reports to remove this account from my report. It is not mine and needs to be removed from all three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: AR

Complaint narrative:
I have filed multiple disputes with this company to let them know that this card is not mine and they need to delte it from my credit report. I've sent multiple ftc reports and sent them in police reports to remove this account from my report. It is not mine and needs to be removed from all three credit bureaus

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 2020-10-07 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: FL

Complaint narrative:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT XXXX HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

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 2020-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Premier Auto Credit
State: AZ

Complaint narrative:
I purchased a vehicle in XX/XX/XXXX I been paying it ever since then I got laid off work in XX/XX/XXXX due to the pandemic I spoke to the finance company and asked for more time to pay my XXXX payment they didnt wan na help me out then my XXXX payment came and I made both payments for XXXX each so the total was XXXX a week later the company repoed my vehicle now Im trying to get it back and they dont wan na help me get it back they are saying they dont want to finance me anymore cus I was laid off but my husband works so he can pay the payments I have XXXX  children ages XXXX and XXXX and not having a vehicle is really hard to get around to do grocery shopping And trying to go out and look for a job i would have thought that because of this pandemic I would be able to get help I have never missed a payment I was just late on my XXXX payment but still payed XXXX and XXXX and still got my vehicle repoed how is that possible?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ

Complaint narrative:
Unfortunately, the service was inadequate because the mortgage loan processor XXXX XXXX XXXX, # XXXX provided false information that caused a denial in my FHA refinance. I was told to stop my autopayments and that the loan processor would coordinate for notary to come to my house for the closing costs to be collected in early XXXX. I emailed and called the loan processor multiple times to find out she got promoted late XXXX in which she did not communicate. My loan was handed off to another loan processor in which has yet to communicate with me. Come XXXX I felt it was little odd that i still didnt receive any correspondence regarding my payment or closing and I called to make a payment for the 2 months totaling roughly {$3700.00}. The rep that took my payment said that this was bad news for me since the loan processor did not communicate i was subject to being disqualified. I was on XXXX and was making my payments on time she should've said to continue until we closed but she didn't which is very frustrating and disappointing. Because of the lack of professionalism, ethics, and communication I am now INELIGIBLE for a refinance. I reached out to the supervisors that gave me what was a superficial apology but i never received a formal apology for the mistake of the loan officer or the lack of communication. I am stuck with this loan company for another 6 months.

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 2020-10-07 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: TX

Complaint narrative:
XXXX is still reflecting a balance on my credit report although the account was paid in full on XXXX XX/XX/2020. The balance should be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: MA

Complaint narrative:
Good Evening! Listen, I was going through my credit today and noticed that there are several un-authorized and un-known companies listed below trying to access my credit report without my written consent. As I was reading through the ftc and cfpb website and understand the fair credit reporting act - It says it clearly that Im protected under FCRA 15 U.S.C. 1681 ( b ), and Section 604, where the permissible purposes are when the consumer provides written permission and when disclosure is required by court order, firm credit offer, employment offer, etc. 

I also contacted those companies listed below individually and asked them to take action to get these inquiries removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 

Again, I do not recall giving my authorization for this credit pull, please remove them all

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 2020-10-07 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Good Evening! Listen, I was going through my credit today and noticed that there are several un-authorized and un-known companies listed below trying to access my credit report without my written consent. As I was reading through the ftc and cfpb website and understand the fair credit reporting act - It says it clearly that Im protected under FCRA 15 U.S.C. 1681 ( b ), and Section 604, where the permissible purposes are when the consumer provides written permission and when disclosure is required by court order, firm credit offer, employment offer, etc. 

I also contacted those companies listed below individually and asked them to take action to get these inquiries removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 

Again, I do not recall giving my authorization for this credit pull, please remove them all

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 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
This a second request. I have accounts on my credit that don't belong to me. Someone is using my name. I never filed bankruptcy either. Please remove it immediately. I am not a credit repair company and I sent you my personal documents to prove that it's me.

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 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
This a second request. I have accounts on my credit that don't belong to me. Someone is using my name. I never filed bankruptcy either. Please remove it immediately. I am not a credit repair company and I sent you my personal documents to prove that it's me.

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 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
This a second request. I have accounts on my credit that don't belong to me. Someone is using my name. I never filed bankruptcy either. Please remove it immediately. I am not a credit repair company and I sent you my personal documents to prove that it's me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: Conn's, Inc.
State: TX

Complaint narrative:
Agreed upon settlement for account number XXXX and XXXX. Balance should reflect as XXXX  and paid in full on both accounts. Agency agreed to remove accounts from all credit bureaus they report to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: FL

Complaint narrative:
THE ACCOUNTS/INQUIRES LISTED ARE FRAUDULENT SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN AND TO FILL OUT MUTIPLE APPLICATIONS IN MY NAME I am writing to request and initiate a formal complaint against XXXX TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-10-08 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: FL

Complaint narrative:
This is my third complaint against Experian via CFPB XXXX, XXXX and copies of 3 Certified letters that was sent and received by Experian to show their total disregard for my rights Under FCRA, they have not responded within the required timeframe and made frivolous statements that they do not believe I am who I say I am even though I have included my identification in every single letter I have sent to them, I have also included all the letters I sent to them by certified mail. Experian is now requesting I call them directly which I refuse to do because I want to have everything documented and thought using a third party ( CFPB ) would be my best option, I would rather keep all corespondent in this forum for my proof. I am demanding that they remove these unverified accounts immediately and I am now asking CFPB to verify that they have in fact violated my rights under FCRA have not responded to my certified letters within the required timeframe and under FCRA must now remove all accounts in question.

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 2020-10-07 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: MS

Complaint narrative:
I am writing this due to non-compliance with the XXXX XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-10-08 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: FL

Complaint narrative:
The accounts listed above do not reflect any correct transactions done by me. 


My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States XXXX that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the XXXX U.S.C. XXXX. Additionally, these misstatements are punishable as perjury under XXXX XXXX XXXX. 
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which XXXX have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 
I attempted to file a police report, but I was informed by XXXX XXXX that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE 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 explanation