vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-15 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: FL

Complaint narrative:
My was Credit report pulled without my Authorization, the companies are listed below, along with the dates and their phone numbers. 

XXXX XXXX XXXX XXXX - XXXX Phone XXXXXXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Phone XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax - XXXX Phone XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX & XXXX Phone XXXX XXXX XXXX XXXX XXXX - XXXX Phone XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX & XXXX Phone XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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:
EQUIFAX REFUSES TO DELETE FRAUDULENT ACCOUNTS THAT DO NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
There was a simple issue where I hadn't noticed that my minimum monthly payment ( sent on the XXXX of every month ) had increased and as such, the last payment I sent out was insufficient. I then received an email from them ( XX/XX/XXXX, and XXXX ), prompting me to " Text back today so we can help you get your loan back to a current status. GoodLeap is here to help. '' There was no number included in the email. I had received no such text. I responded to the email with my phone number for them to call me, as well as searched their site for a contact number https : //goodleap.com/XXXX  I've called multiple times today ( XX/XX/XXXX ), I called XXXX and heard " Thank you for calling LoanPal '' and was immediately hung up on. They're not even called LoanPal anymore. As of now, I still have not been able to contact them, and have heard nothing back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: CO

Complaint narrative:
In XXXX XXXX XXXX set up acct w me for mobile phone. I personally went to their office to open a XXXX acct. I paid them what they needed to have this acct go through. I could never use the number they gave to me because it was still connected to a business, XXXX XXXX in XXXX XXXX ( CO ). I kept getting business messages. I notified XXXX I could not use the number they assigned to me. They stopped this number within a few days of assigning it to me. XXXX billing said I owed no more money ; my acct was closed ( XXXX XXXX ). Then some debt collector called to say I owed money. I went back to XXXX billing office and was assired, again, that I did not owe any money- my acct had been closed. Today, XX/XX/XXXX XXXX, I open a letter fron another bill collector saying I owe {$100.00} for a XXXX XXXX acct. This is not my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Galaxy Capital Acquisitions, LLC
State: TX

Complaint narrative:
I DO NOT KNOW ANYTHING ABOUT THIS CREDIT CARD AND NEVER APPLIED FOR IT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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 NEW UPDATED INFORMATION!!!!!!! I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF EQUIFAX NEEDS MY AUTHORIZATION TO PROCEED, THEN EQUIFAX HAVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. 

I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, filed a complaint about EQUIFAX on XX/XX/2022 referring to the complaints I've filed on XX/XX/2022 and XXXX XXXX. The complaint that I've filed through the CFPB on XXXX XXXX with complaint number XXXX, EQUIFAX responded stating that an investigation with the furnisher has been initiated and that they will provide me with those findings once the investigation is completed. This an " REINVESTIGATION '' to what EQUIFAX claimed to be " valid ''. Congress states that pursuant to 15 US Code 1681i ( 7 ), the consumer reporting agency only have 15 days to provide me with the description of the procedures listed in 15 US Code 1681i ( 6 ) ( B ) ( iii ) that they've taken to receive their findings. They are waiting on the furnisher to provide them with those findings, not me the consumer. Because this is an " REINVESTIGATION '' by law, the consumer reporting agency only have 15 days to provide me with the description of the procedures that they have taken in order for this account to be considered " valid ''. It has become very clear that an investigation had not even taken place in the first place, because if it had, then they would have on file the items of the procedures that they've used to validate the items that I have disputed, and not be waiting on the furnisher to provide them with something that they claim was " valid ''. EQUIFAX is not complying with the law by trying to exceed those 15 days that Congress have given them to provide me with the description of the procedures they've taken to validate this account. EQUIFAX also have not provided me with my written permission that I've given them to furnish this items to my consumer report pursuant to 15 USC 1681b ( a ) ( 2 ). This inaccurate item listed on my consumer report has ruined my financial reputation by not allowing me to receive the funds needed to provide for my household. This has caused me many hardships including stress, sleepless nights, XXXX, anxiety, as well as marital issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I paid my balance in full and closed the card ( I have all the statements ) The following month they billed me for a misapplied payment ... .after the card was closed and all balances paid in full. They have been accumulating late fees without resolving the problem. I have filed a dispute with them but they have not answered the complaint with any proof that it is my responsibility. The latest statement is now {$110.00}, all late fees and my credit rating is being lowered because of it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-15 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: WI

Complaint narrative:
Transunion keeps verifying an account listed on my credit report because the furnisher provided them erroneous information. I have never left the XXXX of XXXX at no time. Yet they continue to verify an address Ive never lived at in my life. I dont know much about disputing things but this information they have from said furnishes is violating my rights. Transunion will not remove entry and I have disputed this twice. Once on XX/XX/2022 And again in XX/XX/2022 2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
On XXXX first I made my payment of {$2500.00}. There was a processing error and I was double billed for a total of {$5100.00}. I have contacted the lender and they keep making excuses on why its taking so long to refund the money. I called today and was told they made another error and would have to start the refund process over. I have incurred overdraft and late fees that cant be refunded from other accounts. They wiped out my checking account and have left us in a hardship situation that they care nothing about.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Supreme Lending
State: TX

Complaint narrative:
I bought a house in XXXX. I used Everett Financial Inc dbaSupreme Lending for my mortgage company. The previous owners passed away but they had homestead exemption. I filed for homestead exemption in XXXX. In XX/XX/XXXX the mortgage company changed my monthly mortgage payment to {$1000.00}. I was paying {$1300.00} a month for XXXX. I called Everett Financial to ask about the decrease in my payment. The person that I spoke with said that it can happen like that and that it looks accurate. In XX/XX/XXXX I received a check from Everett Financial for {$4600.00} again I called to ask about this and what is it from. The person from Everett said that that can happen where there is a escrow overage and they are required to send the money to me. I asked about if I needed to place it back into the escrow person said I can but not necessary. I decided to place {$1000.00} back to escrow. I thought I was doing good with that. So now Everett Financial said I do not have enough money in my escrow. Looking at my Annual Escrow Account Disclosure Statement Account History I have that the mortgage company only anticipated a {$1.00} each for County tax, School District Tax, and City tax. Everett Financial is now telling me that I owe them more money with this year 's mortgage payments. I now have to pay {$1800.00} a month. This will be very difficult. I spoke with Everett Financial this morning the person escalated this to her supervisor who said that due to the previous owners having a homestead exemption Everett Financial anticipated the taxes with the exemption in place. The only thing Everett Financial could do would be to give me 24 months to pay the amount back. I called and asked questions about these things that did no good to prevent this from happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
As I reviewed my recent report, I have found a lot of erroneous information reporting on my EQUIFAX Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$640000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account number : XXXXXXXX XXXX Account number : XXXX, XXXX XXXXXXXX Account number : XXXX, XXXX XXXXXXXX Account number : XXXXXXXX XXXX XXXX  Account number : XXXX, XXXX XXXXXXXX Account number : XXXX, XXXX  Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXXXXXX XXXX XXXX Account number : XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXA Account number : XXXXXXXX XXXX Account number : XXXX, XXXX  XXXX Account number : XXXXXXXX XXXX XXXXXXXX Account number : XXXXXXXX XXXX XXXX  Account number : XXXX, XXXX XXXXXXXX Account number : XXXXXXXX XXXX  Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX  XXXX XXXX XXXX Account number : XXXX has violated my rights. 
15 U.S.C 1681 Section XXXX A. XXXX I have the right to privacy. 
15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: NY

Complaint narrative:
I didn't authorize these Inquiries and I am not benefiting from these Inquiries. 
XXXX XXXX Inquiry date : XX/XX/XXXX, XXXX. XXXX Inquiry date : XXXX XXXX, XXXX, XXXX  Inquiry date : XX/XX/XXXX, XXXX. XXXX XXXX : XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX and XXXX XXXX date : XX/XX/XXXX -TRANSUNION 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 2022-03-15 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-03-15 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: AK

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX, XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: FL

Complaint narrative:
FedLoan Servicing is continuing to report late payments during XXXX in all student loans prior to 2022 ( Account # XXXX ). There were never ANY late payments on either account, ever, and in addition, per 15 U.S. Code 1666 - 1666 ( j ) There were not any approvals, or permissions to report such erroneous findings. This has defamed my character and caused additional mental and physical adversities and hardships. 

My address is also being reported incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: MD

Complaint narrative:
I have reached out to Equifax and XXXX on numerous occasions over the last two years to have XXXX listed on my credit report as included in bankruptcy. I have sent the paperwork to Equifax as well as XXXX and it is still listed on my credit report incorrectly. This is hurting my credit and I need this corrected quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account number : XXXXXXXX XXXX Account number : XXXX, XXXX  XXXX Account number : XXXX, XXXX  XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX XXXXXXXX Account number : XXXXXXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXXXXXX XXXX XXXX Account number : XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I bank with Chase and when having past issues with a private companies regarding a fraudulent transaction, unauthorized charge or services not rendered Chase is quick to deny my claim. When calling Chase and speaking with a representative I request documents regarding their fact finding and resolution and although promised I do not receive those documents. I'm specifically noting past instances where I was wronged as well as recently where my card was stolen. I just have been looking to be indemnified as per our banking contract and really wish Chase could be in my corner when something goes awry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: TX

Complaint narrative:
PRIVATE PERSONAL SOCIAL SECURITY ACCOUNT INFORMATION IS BEING/HAS BEEN SOLD/TRADED WITHOUT AUTHORIZATION AND REPORTED FOR PROFIT AS PER INQUIRY TRESPASSING AGAINST THE ESTATE CAUSING COMMERCIAL INJURY UNCONSTITUTIONALLY ENCUMBERING INTERSTATE COMMERCE THROUGH ORGANIZED CRIMINAL ACTIVITY FOR PROFIT. 

SECURITIES COMMODITIES EXCHANGE CIVIL AND CRIMINAL R.I.C.O. 
AT PRESENT IT IS REQUIRED THAT UPON YOUR FAILURE AN INABILITY TO VALIDATE THE FOLLOWING INQUIRIES AND WITH A WRIT OF INQUIRY OR LETTER OF AUTHORIZATION OR LETTER OF ATTORNEY EACH BEARING ORIGINAL WET INK SIGNATURES FROM MYSELF THE EXECUTOR, THE INFORMATION IS TO BE DELETED AND EXPUNGED FROM THE CONSUMER CREDIT REPORT WITHIN TEN ( 10 ) CALENDAR DAYS. NOTICE OF INTENT TO LIEN FOR CONSTITUTIONAL VIOLATIONS AND CRIMINAL RACKETEERING VIOLATIONS AS PER 18 U.S.C. 1962 AND 1963 PURSUANT TO 15 U.S.C 1 & 3 & 13 IGNORANCE OF THE LAW IS NO EXCUSE FROM THE LAW. SANS RECOURSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I took a title loan in XX/XX/XXXX and paid it on XX/XX/XXXX. About a week ago I got an alert from Experian about being on collections. Debt XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX. I have emailed them so many times asking to remove it. I gave sent proof that the debt was paid. XXXX XXXX told me that they did not sell my account because it shows XXXX balance. XXXX after seeing my documents refused to remove it. They want me to pay {$400.00} and I think this is fraud. The name of the owner is XXXX XXXX. My name is XXXX XXXX, XXXX XXXX XXXX, XXXX, La XXXX. XXXX XXXX. Reference # with 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