vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-31 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: SC

Complaint narrative:
The following accounts are listed on my credit report that violates : 15 USC 1681a *Accuracy and fairness of credit reporting... 
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
* 15 USC 6802 : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

Account Name : DEPTEDXXXX Account # : XXXX**** Account type : Educational Balance : {$180000.00} Balance : {$40000.00} Balance : {$29000.00} Reporting Agency : XXXX Account Name : DeptedXXXX  Account # : XXXX Account type : Educational Balance : {$180000.00} Balance : {$40000.00} Balance : {$29000.00} Reporting Agency : XXXX Account Name : DeptedXXXX   Account # : Account type : Educational Balance : {$180000.00} Balance : {$40000.00} Balance : {$29000.00} Reporting Agency : Equifax Account Name : XXXX Account # : XXXX Account Type : Installment Balance : {$25000.00} Balance : {$13000.00} Status : Collection/Chargeoff Reporting Agency XXXX XXXX XXXX XXXX XXXX Equifax XXXX Agency XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Court : XXXX XXXX XXXX XXXX XXXX XXXX  SC XXXX XXXX XXXX Dismissed Dismissed Account Name : XXXX Account type : Educational Balances : {$9300.00} Balances : {$10000.00} Balances : {$22000.00} Balances : {$50000.00} Balances : {$24000.00} Balances : {$12000.00} Balances : {$28000.00} Account Name : XXXX Account Type : Real Estate Balance : {$350000.00} Reporting : 180 days late Reporting Agency : XXXX Name and Address are inaccurate : Also Known As : XXXX, XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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:
Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXXT XXXX and myself! Please send the proper validation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Orion Portfolio Services, LLC
State: TX

Complaint narrative:
In 2014 I identified fraudulent activity on my credit. I submitted complaint to FTC ref # XXXX, CFPB complaint as well. I am continuing to get notifications regarding this incident from XXXX ref # XXXX as well as Orion Portfolio Services ref XXXX. This is all in reference to a fraudulent account opened with XXXX ref # XXXX. I though this was all resolved, 9 years later still haunting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I applied for a XXXX XXXX credit card at XXXX & XXXX XXXX XXXX. I normally do not apply for store credit cards as it means a credit pull and it impacts my score but I was buying a {$2000.00} card and the promo was that the purchase tax would be waived if I used XXXX. XXXX responded with I will be informed via mail within XXXX business days, which normally means a decline. I was shocked as my XXXX XXXX was XXXX. After more than two weeks I called customer service and I was sent around in circles with no answer but wait for the letter. I tried again after 3 weeks and I had the same problem. No one had the access to give me an answer and I was finally transferred a fourth time and the question was did you get a letter and I said No and I was cut off. Comenity Capital Bank which offers XXXX is breaking all the consumer regulations. My score dropped XXXX points because of the pull and I have XXXX added to XXXX  pulls in 3 years which reduces my score and I have no reason for the decline. Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
Rushmore has conducted unlawful and unethical acts against my family and my property. I have tried to resolve the issues with them and I have even completed successful trial payment plans and payments but Rushmore has failed to be truthful or to honor their promises. They only want to foreclose despite the fact that this has been our family property for more than 30 years without a missed payment. Again, Rushmore has lied repeatedly and they refuse to treat us fairly or to comply with the law. Additionally, they have caused us not to be able to receive help through the mortgage relief program due to their inaccurate record keeping and they refuse to offer us the same options as all other homeowners through the provisions that Covid has extended via the government.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I submitted a dispute to update my address on my credit report on XXXX. In my request I asked that the delete all personal identifiable information from my consumer credit report with the exception of the following : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Within the dispute I included all identifiable information such as utility the bill and my drivers license I received a letter from Transunion date XX/XX/2022 asking me for the same information that I sent in.

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 2022-05-31 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: LA

Complaint narrative:
the following inquires were not authorized sent letter out on XX/XX/XXXX never got a response back from the bureaus, transunion, XXXX  or XXXX. 


1. never gave authorization XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. never gave authorization XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. never gave authorization XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12.The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

13.The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 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 2022-05-31 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:
Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX XXXX  and myself! Please send the proper validation

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 2022-05-31 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:
Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX  neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX XXXX and myself! Please send the proper validation

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 2022-05-31 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:
Hi my name is XXXX XXXX. I have never done business with XXXX XXXXXXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXXXXXXXXXX XXXX. I have the right to demand and see the contract between XXXX XXXXXXXX XXXX and myself! Please send the proper validation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Advanced Recovery Systems, Inc.
State: MS

Complaint narrative:
I was serviced noticed of an attempt to collect a medical debt from Advance Recovery System. I made several attempts to request validation of this debt with no response from creditor. I respectfully requested that Advance Recovery System provide me with competent evidence that I have a legal obligation to pay Advance Recovery Systems. 

After i did not received information i reached out to CFPB on XXXX complaint XXXX. I received notification that the collection was removed from all credit bureaus. I called CFPB to have the complaint removed on XXXX. On XXXX the collection is back on my XXXX report and Advance Recovery have yet to validate this debt. 

This has caused a tremendous impact on my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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:
Hi my name is XXXX XXXX. I have never done business with XXXX  XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXXXXXX XXXX and myself! Please send the proper validation

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 2022-05-31 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:
Hi my name is XXXX XXXX. I have never done business with XXXX XXXXXXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX  XXXX XXXX. I have the right to demand and see the contract between XXXX XXXXXXXX XXXX and myself! Please send the proper validation

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 2022-05-31 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States have the ight to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: TX

Complaint narrative:
I previously filed complaints with the CFPB ( ID # XXXX and ID # XXXX ) as XXXX and Equifax repeatedly deny my request to provide me with their method of verification as well as documented evidence that I owe the {$370.00} medical debt XXXX XXXX XXXX has reported that I owe. In response to my complaint and request, each again has provided a generic response that the debt has been verified as mine. I have been getting the run-around from all three companies since XX/XX/2022. No one will provide any documented evidence but consistently claim that I owe. I literally have no idea what this debt is for and have repeatedly ask for information as noted in my previous complaints. This is a gross violation of my rights as a consumer. 

On XX/XX/2022, Equifax and XXXX updated my credit file again with this inaccurate information ( that the debt had been verified ). What a sham of an " investigation ''. I demand that this debt be deleted and removed from my credit file immediately as XXXX XXXX XXXX indicated in its response to my CFPB and XXXX  complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: MD

Complaint narrative:
Equifax is still reporting this collections accounts XXXX XXXX XXXX as verified and accurate. How can that be? This collections account shows an PAST DUE balance of {$830.00} and an OPEN status.This is illegal and in violation of several 15 U.S.C. laws.This is my 3rd attempt disputing this account with Equifax, this collection 's account CLEARLY is in violation of my rights as a Consumer and MUST be deleted from my credit report ASAP. 15 U.S.C 1681 section 602 A. States I have the right to privacy. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1681a 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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'm a victim of Identity theft. I have enclosed and Identity theft report an a letter citing all the fraudulent accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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'm a victim of Identity theft. I have enclosed and Identity theft report an a letter citing all the fraudulent accounts on 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 non-monetary relief
Consumer complaint received 2022-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: VA

Complaint narrative:
on XX/XX/2021 i called Discover Bank in order to let them know of fraudulent activity in my Credit card account. At this point they seemed to one to help me with an investigation on the fraudulent charges. I explicitly told them that i was at that point a victim of Identity Theft and I had filed an FTC report and had open a Police report as well. All this information was provided as well. Nevertheless today for the third time I am fighting to not pay {$16000.00} that I did not even spend. My card limit was {$9000.00} and the person that stole my identity and credit card digitally was able to take out that amount. In addition to this and all the information and paper trail I provided to the investigators they state i am still responsible of paying a debt that I did not accrue because i can not proof that it wasn't me that made the transactions because my identity was stolen. There were numerous bank accounts attached to my Discover account that were not even under my name and not even that is enough. They have continued to even auto-debit payments until I stopped them, its gotten to the point were i am actually struggling to get by. In multiple occasions i have also stated that while my phone was stolen I had attempts of people impersonating me with my information to open accounts over the phone in other loan companies. Discover is the only company holding me accountable of a debt done via identity theft. They have even stated they would sue me or find any means for me to pay a debt I did not make,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: OH

Complaint narrative:
I have erroneous addresses and telephone numbers on my credit report that do not belong to me. I believe my credit information has been compromised.

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 2022-05-31 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
Navient forced me into forbearance after forbearance that I could not pay. Ultimately they forced me into paying my loan in full, to avoid legal action. Paying this loan of XXXX dollars in full put my family and I in a very tough position. To this day the late payments for the loan forbearance that I could not pay is on my credit. If I would have been given options or coaches on how to take care of this load I wouldn't have ever gotten into this situation.

Company response to consumer: Closed with explanation