vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-09 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: CA

Complaint narrative:
I do did not authorize/ recognize the following hard inquiries listed on my account : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-12-09 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: CA

Complaint narrative:
I do did not authorize/ recognize the following hard inquiries listed on my account : XXXX. XXXX XXXX XXXX  Date : XXXX Business type : Bank XXXX XXXX XXXX : 12 Reads Way, New XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX Date : XXXX Business type : Bank Credit Cards Address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXX  XXXX Date : XXXX Business Type : All Banks - non specific Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
Hello Ive been trying to get in touch with consumer portfolio to ask if they would please help me with my payment. My payments have been half payments have been making a payment, but they still want to repossess my car. I called as early as today XX/XX/2022 to ask for help and keep getting pushed around. I need help so I can half my car because I have chronic illnesses and I need to get to work. I do make a payment but its not a full payment. Im axing them to please lower my payment, but they keep refusing. I need help getting this company to help me through this process I am, not sure why the car dealer went with this company because I had no debt when I traded in my old car for the present one that I have I checked with my credit and seeing that I have paid the car loan down significantly and Im just axing them to please have some understanding and help me through the process of getting back on my feet so I can continue to pay my car loan off I have not missed a payment Ive just been paying what I cant which would be at half payment and then try to make the payment up or Im just asking them if they could get rid of the of the fees and interest on a loan until I get caught up. No one will return my call when I text or email they refer me to the manager who will not get in touch with me. This has been going on for three months, I heard from the manager this past Monday letting me know that my car was going to be repossessed. I asked him not to do that because I have to make a payment and he instructed me to hide my car so that it wouldnt be taken I said why would I hide my car if Im axing you to help me with the payment by just lowering it or taking a half payment and allowing me to make it up at the end he replied that his manager does not allow that and instructed me to hide the car. Please help me with this matter. If you quit by. This is the second letter I have sent to you about consumer pro folio services. Thank you for your time and Ill wait for your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I received a copy of my credit report and I have found the following items listed below to be in error. 
Pursuant to 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
In XXXX on 2022 XXXX XXXX  reported to TRANSUNION, XXXX AND XXXX that I was over 120 days late on my mortgage payments, how is that possible when the account was showing Pays/Paid as agreed in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of 2022 and XXXX, XXXX of 2022. These inaccuracies have cause me to discriminated against for credit worthiness. 
I NEVER gave You, XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. XXXX XXXX  has caused severe stress and anxiety due to the abusive and unfair practices. 
You, XXXX XXXX, should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! The account are listed with late or missed payments and that is incorrect. The account were NEVER late and should be listed as PAYS or PAID AS AGREED.

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 2022-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I received a copy of my credit report and I have found the following items listed below to be in error. 
Pursuant to 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
In XXXX on 2022 XXXX XXXX  reported to XXXX, EQUIFAX AND XXXX that I was over 120 days late on my mortgage payments, how is that possible when the account was showing Pays/Paid as agreed in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of 2022 and XXXX, XXXX of 2022. These inaccuracies have cause me to discriminated against for credit worthiness. 
I NEVER gave You, XXXX XXXX  any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. XXXX XXXX  has caused severe stress and anxiety due to the abusive and unfair practices. 
You, XXXX XXXX, should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! The account are listed with late or missed payments and that is incorrect. The account were NEVER late and should be listed as PAYS or PAID AS AGREED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received a copy of my credit report and I have found the following items listed below to be in error. 
Pursuant to 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
In XXXX on 2022 XXXX XXXX  reported to XXXX, XXXX AND EXPERIAN that I was over 120 days late on my mortgage payments, how is that possible when the account was showing Pays/Paid as agreed in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of 2022 and XXXX, XXXX of 2022. These inaccuracies have cause me to discriminated against for credit worthiness. 
I NEVER gave You, XXXX XXXX  any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. XXXX XXXX  has caused severe stress and anxiety due to the abusive and unfair practices. 
You, XXXX XXXX, should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! The account are listed with late or missed payments and that is incorrect. The account were NEVER late and should be listed as PAYS or PAID AS AGREED.

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 2022-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
1. Tried 4 times today to get past their automated computerXX/XX/XXXXXXXX, 2022 I placed a freeze alert XXXX and a fraud alert XXXX. Called today to remove both and system put another freeze back on my account. I received XXXX confirmations of the removal of both, NOT SURE IF THIS WAS COMPLETED AND IF NOT, THE ALERTS NEED TO COME OFF IMMEDIATELY. Confirmation they are off, XXXX and XXXX... 
2. Another complaint is my credit score is XXXX points lower with the same credit information EVERYWHERE and I want to know why? I want this fixed, XXXX points lower is bad!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: PA

Complaint narrative:
XXXX XXXX is reporting I owe them a total amount of XXXX dollars. After numerous attempts to contact the agency and ask for debt verification and debt validation as well as a sign contract with this agency ( which they were unable to provide ) but instead sent a bill from XXXX. I have reached out to the credit agencies and I am not getting any responses to the discrepancies on my credit reports are reporting inaccurate information as I have never had an account or signed contract with this company. 

This account has come back verified but what actual proof did they verify because they still did not provide a contract I have specifically with this company. I reached out to this company over 30 days ago and have yet to receive a response from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: PA

Complaint narrative:
XXXX XXXX is reporting I owe them a total amount of XXXX dollars. After numerous attempts to contact the agency and ask for debt verification and debt validation as well as a sign contract with this agency ( which they were unable to provide ) but instead sent a bill from XXXX. I have reached out to the credit agencies and I am not getting any responses to the discrepancies on my credit reports are reporting inaccurate information as I have never had an account or signed contract with this company. 

This account has come back verified but what actual proof did they verify because they still did not provide a contract I have specifically with this company. I reached out to this company over 30 days ago and have yet to receive a response from anyone.

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 2022-12-09 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: NC

Complaint narrative:
Once again Im having to dispute these crooks posting inaccurate data on my credit report!

The Delinquency date is wrong in one or the other!

They claim both bills were from one visit why would there be two different dates a month apart!

Delete these accounts from my credit file! These crooks used unlawful HIPPA violation document to unlawfully validate these accounts!

Youre all gon na be sued!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: NC

Complaint narrative:
Once again Im having to dispute these crooks posting inaccurate data on my credit report!

The Delinquency date is wrong in one or the other!

They claim both bills were from one visit why would there be two different dates a month apart!

Delete these accounts from my credit file! These crooks used unlawful HIPPA violation document to unlawfully validate these accounts! 

Youre all gon na be sued!

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 2022-12-09 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: CT

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

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 2022-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
CAINE AND WEINER has stolen my identity and is defaming my character by furnishing fraudulent information to consumer reporting agencies. I do not now, nor have I ever had any contract with CAINE AND WEINER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One : Fraud case XXXX I reported a fraudulent use of my credit card on XX/XX/XXXX to Capital one when I saw a charge of {$500.00} to XXXX XXXX XXXX XXXX XXXX. Yesterday I received a letter from Capital One denying the fraud claim saying that they had investigated the charge and found it was valid. I spoke to the XXXX department and was escalated several times and received the same answer of denial. I did learn two things from these conversations : 1. The supposed sale took place at XXXXXXXX XXXX in the morning in XXXX ; 2 ) the card was either swiped or used in person. 
I was indeed in XXXX from XXXX late evening from XX/XX/XXXX when my XXXX ship sailed. However at XXXXXXXX XXXX I was asleep on my cabin on the ship with my spouse. There was no way I could have made an in person purchase. Capital One refused to give me any information about the vendor including address. Indeed, I can not find any trace of the vendor. My conclusion is that when I visited the XXXX XXXX on XX/XX/XXXX ( and made no purchases or went into any storeswith a personal guide ) my credit card information was somehow electronically stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: American Credit Acceptance, LLC
State: AL

Complaint narrative:
On XX/XX/2022 I became aware of a fraudulent hard inquiry on my XXXX Credit report from American Credit Acceptance. I called American Credit and informed them that I had not applied for credit. I filed an FTC identity theft report and a police report with local law enforcement. On XX/XX/2022 I mailed via certified mail copies of the FTC and Police report and a letter stating that I was a victim of identity theft and that the inquiry on my credit report from American Credit was not valid. American credit received these documents on XX/XX/2022. American credit responded that they would not remove the inquiry in clear violation of the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

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 2022-12-09 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: CT

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I received some alerts from XXXX of the monitoring services that I subscribe to advising that new credit inquiries were initiated on my Equifax credit file. I reviewed a copy of my Equifax Credit report and discovered a few new credit inquiries listed on Equifax that I did not initiate. I called each company, and they advised me that I would need to file a dispute with Equifax directly. I contacted Equifax and requested to dispute the fraudulent credit inquiries and I was advised that Equifax does not investigate credit inquiries. Under the Federal Fair Credit reporting act, I have a right as a consumer to request an investigation of inaccurate, false, incorrectly reported, or fraudulent information contained within my Equifax credit report. The Credit Inquiries that are in question, which I believe to e fraud are as follows : An inquiry from XXXX XXXX XXXX XXXX, dated XX/XX/2022, and A credit inquiry from XXXX XXXX XXXX XXXX, dated XX/XX/2022. A mortgage application dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I see an inquiry from XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: NJ

Complaint narrative:
There are multiple items on my credit report thats inaccurate I would like to be remove since XXXX until 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
Consumer complaint received 2022-12-09 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: NJ

Complaint narrative:
There are multiple items on my credit report thats inaccurate I would like to be remove since XXXX until now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Recovery Solutions, LLC
State: MO

Complaint narrative:
On XX/XX/XXXX, I received a notice of a collection from XXXX XXXX, XXXX. I immediately sent a letter to request a verification of debt on XX/XX/XXXX. To date, they have not responded to the request. However, they are still calling me. Today ( XX/XX/XXXX ) they left me a voicemail about paying the collection through their website, however I am not supposed to be contacted during the dispute process. On XX/XX/XXXX, I sent another letter, stating that I had not received verification of the debt.

Company response to consumer: Closed with explanation