vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-17 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: FL

Complaint narrative:
I have noticed the following accounts reporting incorrectly for the following reasons : XXXX XXXX XXXX account # XXXX reporting I was 30 days late XX/XX/XXXX, this was during the COVID-19 shutdowns and is not accurate. I paid this account timely for over 7 years. Please remove the 30 day late that was furnished to the credit bureaus in error. 
XXXX XXXX XXXX account # XXXX Inaccurately reporting I was late 30 days in XX/XX/XXXX. Please update this negative information furnished to XXXX, Equifax & XXXX correctly. 
XXXX XXXX XXXX Mortgage account # XXXX Reporting I was 120 days late XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This is not accurate. The account was paid those months. 
Therefore, pursuant to the FCRA and FDCPA, I am requesting an investigation, as the accounts listed above are not being reported accurately. Additionally, I am requesting proof that you did investigate and the investigation was reasonable according to the standards set forth by the FTC. Please, 3. Provide me with proof of the method used to investigate all claims. 
4. Provide me with a complete and updated credit report. 
Additionally, I am asking the above creditors to behave appropriately during this investigation period, if any action is taken which could be considered detrimental to my credit, furnishing false information to other creditors with respect to this account during the investigation period, that would be in violation of the FCRA, FDCPA and FBCA. This includes any information to a creditor that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted several certified disputed, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with XXXX  requesting validation of lawful right to collect on this alleged debt .... 

Thus far, the collection company has forward a bill statement and an attempt to collect a debt letter.

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 2021-01-17 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:
I have submitted several certified disputed, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with XXXX  requesting validation of lawful right to collect on this alleged debt .... 

Thus far, the collection company has forward a bill statement and an attempt to collect a debt letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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: TX

Complaint narrative:
I have submitted several certified disputed, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with XXXX requesting validation of lawful right to collect on this alleged debt .... 

Thus far, the collection company has forward a bill statement and an attempt to collect a debt letter.

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 2021-01-17 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: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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: GA

Complaint narrative:
I have contacted equifax to certify and verify the incorrect and inaccurate information on my credit report that was due to fraudulent activity. I have requested validation of the items reporting. I have also added security freezes and fraud alert to my credit profile. The date of my letter sent where XX/XX/2020, XX/XX/2020, XX/XX/2020 and still no response or update. 
the following items should be investigated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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: CCS Financial Services, Inc.
State: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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: NY

Complaint narrative:
XXXX, TRANSUNION, XXXX ARE BREAKING THE LAW UNDER Under 15 U.S Code 1681b- Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.

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 2021-01-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: AES/PHEAA
State: TX

Complaint narrative:
Recently in doing some research on my consumer credit file I learned that the student loans in my name that are being serviced by Fed Loan Servicing. I learned that the loans are for a school by the name of XXXX XXXX XXXX. I never signed an enrollment agreement with XXXX XXXX XXXX nor did I ever sign or agree to become a former student of XXXX XXXX. This seems like fraud to me. I do not wish to be associated with XXXX XXXX  and I never agreed to it. I do not understand how this is possible and how this legally has taken place. I do not understand why there are student loans listed under XXXX XXXX in my name. I never agreed to this. I am requesting XXXX XXXX XXXX to provide information stating that I agreed to be associated as a former or current student with this school. Before today I had no knowledge of any of this. I am requesting documentation with signatures that Fed Loan Servicing has the right to pursue loan payment from me for the school XXXX XXXX XXXX. I do not wish to be affiliated with XXXX XXXX XXXX. I never agreed to any enrollment or loans with XXXX XXXX. Therefore Fed Loan Servicing must substantiate seeking loans associated with XXXX from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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: Synovus Bank
State: FL

Complaint narrative:
I called the company and they said I had to pay the debt upfront and then they would get back to me on the fraud charge and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
On XXXX XXXX, XXXX, I spoken with XXXX XXXX , at Shellpoint and XXXX XXXX reporting on my credit reports. This mortgage loan hasnt been on my credit report since XX/XX/XXXX. This debt has been discharged and removed in Chapter XXXX Bankruptcy 11 years ago. Please be advised this debt should not be on my credit report as I have NOT RE-AFFIRMED the debt in Bankruptcy. 

On XX/XX/XXXX @ XXXX spoken with XXXX . Please remove these mortgages off my credit reports immediately as this significantly impact my credit scores with all 3 credit reporting agencies. As Per XXXX, she will have the Bankruptcy Dept to get this removed off my credit report within 24hrs. 

On XX/XX/XXXX @ XXXX, I spoken with XXXX XXXX the Bankruptcy Dept. about these debts still showing on my credit after I have already informed them that XXXX XXXX and Shellpoint should not be reporting on my credit report. At this point, Shellpoint and XXXX XXXX is NON-Compliance according to FCFA Section 623 ( a ) ( 1 ), As a rule, it's illegal to report information that you know or believe is inaccurate. Re-aging and duplicative reporting, particularly following portfolio acquisitions or sales, mergers and other transfers. 

Overall the level of inaccuracies reporting on my credit report has cause me and my family credit denial, defamation of credit and conflict of emotions. 

I'm requesting that XXXX XXXX and Shellpoint Mortgage be removed off my credit report immediately as I have waited beyond 30 days for credit report to be corrected. 

Sincerely, XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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: NY

Complaint narrative:
XXXX, XXXX, EQUIFAX ARE BREAKING THE LAW UNDER Under 15 U.S Code 1681b- Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion will not allow me to dispute a collection account that isn't mine, and for which the " aging date '' has changed multiple times ( in approximately 4+ years ). 

My credit score has been incorrectly, negatively, impacted.

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 2021-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Transunion. 


1. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft

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 2021-01-17 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: NY

Complaint narrative:
XXXX, TRANSUNION, XXXX  ARE BREAKING THE LAW UNDER Under 15 U.S Code 1681b- Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.

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 2021-01-17 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: PA

Complaint narrative:
This is a fraudulent Account on my consumer credit profile that I want BLOCKED AND REMOVED IMMEDIATELY from my profile, Pursuant to 15 U.S. Code 1681b ( a ) IN GERNERAL, subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX Never gave TRANSUNION any written consent to report anything on my consumer report, No consent is Identity theft this is infringement and I want the following account, XXXX XXXX XXXX ACCOUNT # XXXX BLOCKED AND REMOVED FROM MY PROFILE, I am demanding a deletion of this account or I will proceed with LITIGATION

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 2021-01-17 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: GA

Complaint narrative:
I have contacted XXXX to certify and verify the incorrect and inaccurate information on my credit report that was due to fraudulent activity. I have requested validation of the items reporting. I have also added security freezes and fraud alert to my credit profile. The date of my letter sent where XX/XX/2020, XX/XX/2020, XX/XX/2020 and still no response or update. 
the following items should be investigated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-17 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: NY

Complaint narrative:
IVE WRITTEN THE CREDIT BUREAUS 3 TIMES AND THEY HAVENT FIXED THIS ERROR XXXX, TRANSUNION, XXXX ARE BREAKING THE LAW UNDER Under 15 U.S Code 1681b- Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.

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 2021-01-17 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: NY

Complaint narrative:
IVE WRITTEN THE CREDIT BUREAUS 3 TIMES AND THEY HAVENT FIXED THIS ERROR XXXX, XXXX, EQUIFAX ARE BREAKING THE LAW UNDER Under 15 U.S Code 1681b- Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I co-signed for my son 's dad XXXX to get a new truck in XXXX that is currently being financed with ally financial. in XX/XX/XXXX Ally reported to the credit bureaus the account was past due. it was not I have made several attempts to dispute it from my credit report and have been unsuccessful full. I have been going back and forth with ally about this account because XXXX will not refinance to do whatever he needs to get me off this account with him. XXXX took me to court in XX/XX/XXXX claiming I left our primary residence and that I was in contempt of court. I was breaking the court order. the same year XXXX XXXX also filed a fraudulent tax return and claimed me as his spouse knowing I was already married to someone else and got a tax refund off of me because I didn't work that year. I would have mentioned this information in court while I was accused of breaking our court order but I did not know until 3 months later when I was registering for school and count get financial aid because my tax information didn't match what the IRS had. My point is XXXX doesn't get it both ways. what XXXX put on the paperwork for ally is false he said so in court and its illegal to lie on your credit application where he works and lived is false

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