vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-07 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: MA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BWW Law Group, LLC
State: MD

Complaint narrative:
I had a securitization audit done on my property and there is a lot of fraud found. The service mortgager is not the original creditor and have not given me proof of claim under FDCPA under UCC Title 15 Section 1692 ( g ). They have not given me full disclosure. UCC section 3-2-4 they have nit provided the name and the signature of both, beneficiary of both beneficiaries and the original creditor must be disclosed in the same document. XXXX XXXX XXXX are claiming I owe them over $ XXXX and has filed a complaint. They are not the XXXX XXXX XXXX XXXX and are committing Foreclosure Fraud. I will be be sending them a Intent to file a lawsuit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
My XXXX XXXX XXXX  was stolen. I went to XXXXXXXX XXXX XXXX to find out if there were any tickets etc., issued to under my name and found two cases that I had no idea existed. I filed for appearance to have them removed. The XXXX of XXXX I called the number listed to find out who they were but my S.S number did match and they would not discuss the case # XXXX. On the XXXX of XX/XX/XXXX, I learned from XXXX XXXX XXXXAsset Acceptance LLC. I was informed that my taxes were garnished twice. In XXXX for {$900.00}, and in XXXX for {$1000.00}. That I have no record of nor did I know I was garnished. I was then informed that there is still an outstanding balance of {$4300.00}. I have had credit disputes in the past because there was another XXXX XXXX on the same street. Companies confused the two of in the past, such as car repo companies, XXXX XXXX XXXX etc.,. However this debt does not belong to me. I contacted the Asset Acceptance/ Midland Credit Management , Inc. but no one can tell me details, application, items purchased, type of account, Proof of Service etc. I have sent certified letters but they only send the same information I already received from 36th District Court. I would like this debt removed and my money returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is a complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The bank is reporting this account inaccurately. They informed me they had an internal issue & posted me past due on XX/XX/2023 and XX/XX/2023. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof 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 2023-06-07 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: KY

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-06-07 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: KY

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-06-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The following hard credit inquiries appeared on my credit reports XXXX XXXX, after I considered purchasing a car with XXXX auto ( XXXX XXXX ). I've attempted to have these addressed by the credit reporting companies however I am consistent receiving messages such as " we are having problems with our system at the moment, '' or specifically with XXXX, that I must contact each and every single loan company one by one. This has already been a 12 hour day getting past all three reporting companies. They'vemade this so difficult that it is more sensible to simply report them all to the authorities. 

I was promised that there would only be one credit request inquiry and instead there were over 8 hard inquiries! The despicable part of it was, not all the hard inquiries appear from all credit reporting agencies. Some appear with one credit reporting company while other inquiries only appear with another reporting company. They include however are not limited to : 1. XXXX  XXXX, XXXX, inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX 2. XXXX XXXX XXXXXXXX - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX 3. XXXX XXXX XXXXXXXX - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX 4. XXXX XXXX XXXX - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX 5. XXXX  XXXX XXXXXXXX  - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX 6. XXXX XXXXXXXX XXXX XXXX - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX 7. XXXX XXXX - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX 8. XXXX/XXXX XXXX - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: OH

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 non-monetary relief
Consumer complaint received 2023-06-07 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 2023-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I received a letter from Chase that they were closing all of my bank accounts and credits cards with them. There was no warning or explanation given. 
I have a checking account and savings account as well as 3 credit cards. One of the credit cards I have had for 20 years. I called and they gave no explanation and would not allow me to speak to anyone who could help me rectify the situation. This is extremely frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: CT

Complaint narrative:
I have an inaccurate account furnishing on my credit report. It is canceled debt, the company in question had filed on their taxes. But they are also reporting on my credit report as debt. This company was also suppose to send me a 1099C form to file ordinary income. Now this is a VIOLATION of 15 USC 1681eb. Maximum possible accuracy of the information on my report. It MUST BE DELETED IMMEDIATELY! The account is XXXX i want this account removed IMMEDIATELY. It is vital to my well being and my livelihood that my credit report is correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have an inaccurate account furnishing on my credit report. It is canceled debt, the company in question had filed on their taxes. But they are also reporting on my credit report as debt. This company was also suppose to send me a 1099C form to file ordinary income. Now this is a VIOLATION of 15 USC 1681eb. Maximum possible accuracy of the information on my report. It MUST BE DELETED IMMEDIATELY! The account is XXXX i want this account removed IMMEDIATELY. It is vital to my well being and my livelihood that my credit report is correct.

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 2023-06-07 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: NY

Complaint narrative:
I called your department after I purchased a credit report with XXXX XXXX dated XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFFS accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
XXXX XXXX and XXXXXXXX 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 2023-06-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
Ive been paying Freedom mortgage for the last 2 years never been late or missed. 
Ive been paying the same acct number for over 2 years as the documentation shows. 
On XX/XX/2023 my bank ( XXXX ) wired {$1000.00} to freedom mortgage, it was processed as it had been for two years, Freedom mortgage held my payment and decided my payment to that account # was wrong and returned it to the bank 13 days later. I was not notified at all. I unfortunately came down with XXXX  at this time and wasnt as sharp as I could have been. 
But no phone call or text to let me know that they were no longer excepting my payment to the account # that I had been sending it to. 
As soon as I realized the problem, I paid XX/XX/2023 and XX/XX/2023 payment. 
I talked to 2-3 customer service agents and was actually told I was lucky that freedom didnt go back 2 years to charge me late fees for 24 months. They were not helpful at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: CA

Complaint narrative:
I received a copy of my updated credit report and found several errors which I believe are inaccurate and unverifiable. The account listed below affects my credit scores and cost me thousands of dollars a year. Please re-investigate the account identified as inaccurate. I look forward to seeing my information updated to reflect the appropriate changes. 

XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 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: CA

Complaint narrative:
The following hard credit inquiries appeared on my credit reports XXXX 2021, after I considered purchasing a car with XXXX auto ( XXXX XXXX ). I've attempted to have these addressed by the credit reporting companies however I am consistent receiving messages such as " we are having problems with our system at the moment, '' or specifically with XXXX, that I must contact each and every single loan company one by one. This has already been a 12 hour day getting past all three reporting companies. They'vemade this so difficult that it is more sensible to simply report them all to the authorities. 

I was promised that there would only be one credit request inquiry and instead there were over 8 hard inquiries! The despicable part of it was, not all the hard inquiries appear from all credit reporting agencies. Some appear with one credit reporting company while other inquiries only appear with another reporting company. They include however are not limited to : 1. XXXX XXXX, XXXX, inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXXXXXX - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX - XXXX on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXXXXXX XXXX XXXX  - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXX - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( 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 2023-06-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The following hard credit inquiries appeared on my credit reports XXXX 2021, after I considered purchasing a car with XXXX auto ( XXXX XXXX ). I've attempted to have these addressed by the credit reporting companies however I am consistent receiving messages such as " we are having problems with our system at the moment, '' or specifically with Experian, that I must contact each and every single loan company one by one. This has already been a 12 hour day getting past all three reporting companies. They'vemade this so difficult that it is more sensible to simply report them all to the authorities. 

I was promised that there would only be one credit request inquiry and instead there were over 8 hard inquiries! The despicable part of it was, not all the hard inquiries appear from all credit reporting agencies. Some appear with one credit reporting company while other inquiries only appear with another reporting company. They include however are not limited to : 1. XXXX  XXXX, XXXX, inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX XXXX. XXXX  XXXX XXXX - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX XXXX. XXXX  XXXX XXXX  - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXXXXXX XXXX XXXX - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXX - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX XXXX. XXXX/XXXX XXXX - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( 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 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Cascade CISS Holdings, LLC
State: AZ

Complaint narrative:
According to 15 U.S code 1681 c.2 this is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with explanation