vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-04 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: IL

Complaint narrative:
Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: OH

Complaint narrative:
I have other names social security numbers addresses phone numbers and accounts that have never belonged to me in my reports and Experian XXXX and XXXX keep showing this information against my person

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 2022-04-04 00:00:00
Product: Vehicle loan or lease — Loan
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: FL

Complaint narrative:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX/ {$0.00} / XXXX/XXXX/2016

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 2022-04-04 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: IL

Complaint narrative:
Per the FCRA, credit reporting agencies are supposed to report/provide complete and accurate information for accounts placed for collection, charged to profit or loss, etc. Per the attached consumer report, XXXX XXXX  XXXX account has incomplete and inaccurate information which puts Equifax in violation of my rights as a federally protected consumer. 
There is a date of last payment reported, but no last payment amount reported. If there was a last payment made, what is that amount. Why is it not being reported? 
Also Equifax is stating that this alleged account was opened XX/XX/XXXX but according to the payment history table, there is no data for the entire month of XXXX. Where is this data? The payment history starts XX/XX/XXXX, which is different from what is stated. 
There is no account number for this alleged account? What is this information? 
Date of last payment on this alleged account is stating XX/XX/XXXX, this also does not correspond with the payment history chart. If this was the correct last payment then there shouldn't be 120 days past due for the months of XXXX, XXXX and XXXX of XXXX. 
This alleged account, is still showing inaccurate and incomplete information on my consumer report. The date is XX/XX/XXXX and this alleged derogatory account has been on my consumer report for several years. Delete this immediately. Equifax is in violation of my rights as a federally protected consumer for reporting inaccurate and incomplete information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
THere are accounts under my name that is a result of Identity Theft as well as inquiries that I have no direct engagement with. I have already files the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see attached documents for these accounts i am complaining.

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 2022-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I attached some screenshot of the report that might be your guide that there are discrepancies on my accounts because of the inaccurate details in the other bureau. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX/ {$1100.00} / XX/XX/2021

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 2022-04-04 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 other names social security numbers addresses phone numbers and accounts that have never belonged to me in my reports and XXXX XXXX and Transunion keep showing this information against my person

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 2022-04-04 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: OH

Complaint narrative:
I have other names social security numbers addresses phone numbers and accounts that have never belonged to me in my reports and XXXX Equifax and XXXX keep showing this information against my person

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I noticed that my credit was run without my authorization. I just wish for the inquiry to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
On XX/XX/22 I mailed a dispute letter to Jefferson Capital System ( Account # XXXX ) and my mail receipt indicated that they received the letter on XX/XX/22. After 30 days of waiting for Jefferson Capital System to validate the debt they reported to my personal credit report, it is now XX/XX/22 and they have failed to verify that the debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: VA

Complaint narrative:
I have credit monitoring service which alerted me on XX/XX/2022 about a credit query to Equifax from XXXX, Since I did not initiate or recognize I put a freeze on my credit report for all three credit bureau XXXX I also called XXXX next business day to enquire and I was told there is account being opened under my SSN so I was relieved but on XX/XX/XXXX I got another new account open alter, then I contacted XXXX again - this time they told me yes there is credit card issued under my SSN for {$5000.00} limit, So I told the customer rep about previous call where I was told no account was being opened how could this happen for which I was transferred to fraud depart where they verified how I am and told they will fix it right away and notify all three credit bureau. Due to my previous call experience with XXXX I wanted to be sure this time so after 3 days I followed up again to my surprise nothing was done and they asked me to submit a notarized fraudulent application affidavit which I did and now I been told they need another 60 to 90 days to investigate the issue. I can not relay on XXXX so I am asking for help here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX 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 non-monetary relief
Consumer complaint received 2022-04-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC
State: AL

Complaint narrative:
Ref : Village Capital and Investment Dear Sir and/or Madam : As you all are very well aware we are in the year XXXX. Can someone in this distinguished group please clarify for me why in the year of XXXX we have some esteemed mortgage companies still doing business as if its XXXX? 

Earlier this year my mortgage company Village Capital and Investments in XXXX, NV updated their web portal. In accordance with privacy concerns there is little to no customer information that shows on the site. When you log in, again there is no history, no current payment or future payment information posted either. As a result, I when I received my social security in XXXX I posted my payment. A couple days later I was not sure that Id posted the payment so believing I had held the payment back, it was posted again. Only then, did it show the payment for XX/XX/XXXX and XX/XX/XXXX as pending. A few days later BOTH payments were processed. I called Village Capital immediately. The customer service people said they could not stop the payment process, leaving me with {$20.00} in my account. My first question is why does a financial institution, knowing a payment is not due until 6 full weeks later process a payment that far in advance of the due date? 

Ive have been on the phone with Village Capital numerous times ( approx. 8 so far ) since this fiasco started. To date, Ive had a different story as to status of this refund. Second question : In this day of computers, electronic transfer etc Why can these dinosaur institutions not required to refund payments within a reasonable amount of time ( i.e., 5 days )? Third : Why am I sitting here almost a full 30 days later and STILL have no refund? I will remind you Im on social security I have no savings to draw from until Village Capital decides to process this refund. Fourth : Why can I not get a straight answer on the status of this refund? I NEED SOMEONE TO HELP ME. This type of inaction should not be allowed. EVER. Finally, XXXX question : Why do they have to mail the refund via XXXX? This will require a 45 minute trip ( one way ) to my bank to deposit. 

I did tell the customer service rep last Friday when we spoke that I was going to recommend them as the WORST in customer service ever. I am stressed, Im broke and need food in my house and gas in my car. Mostly I need someone with some clout TO DO SOMETHING TO HELP ME. 

Why is this allowed? Why do these people have the authority to keep someones money for over 30 days without resolution? Why will they not give clear and concise information on the refund? And why is their website so obtuse that you can not see what has been previously posted so error do not occur?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: OH

Complaint narrative:
Experian XXXX and XXXX keep reporting information on my reports that are mixed files and they have my name and last 4 of my social security number in his credit file as well as names addresses and other wrongful information and negative accounts that are making it very difficult for us to make good use of our right to a fair credit opportunity

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 2022-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
In XXXX of XXXX I asked freedom mrtgage to remove the PMI from my mortgage since the value to loan percentage was below 80 % They relate dit would drop off automatically when the 80 % number was reached. 
In XXXX of XXXX I spoke with the company again about an insurance issue they had inflamed and asked again about having the PMI removed. They related that I was well within the safe area to have the PMI removed and they would send me a letter to start the process. 
XXXX I spoke with them again about the PMI to be informed that they had sent me a denial letter due to payment history. ( i have been on time or early in my payment since the loan was purchased ) I did not receive any correspondence from the company aside from my monthly bill and marketing to refinance through them incurring additional closing costs.

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 2022-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received a letter dated XX/XX/2022, from Truist Bank indicating I tried to deposit a check for XXXX into my account, but Truist Bank rejected the check deposit stating the check was fictitious. Now Truist Bank is asking me to pay {XXXX} for overdraft fees. 
I never opened any accounts with Truist Bank, so an unknown person fraudulently opened an account in my name. The hot check was from a company called XXXX XXXX XXXX located in XXXX, LA. The check had no account number printed on it and was signed on the back using my name with a forged signature. A copy of the check was sent to me by Truist Bank. Evidently, someone also created a fake account in my name at XXXX XXXX XXXX. I tried canceling the account with Truist Bank but was not successful. Repeated attempts to contact them resulted in excessive wait times and I eventually stopped attempting to contact them. I have had approximately 12 companies or credit card services send me notices that someone tried to open an account in my name. Most seem to be unsuccessful, but I am worried that somewhere an account in my name has been successfully opened.

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 2022-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: UT

Complaint narrative:
IC Systems has reported a medical debt to my credit which I was not aware of from XXXX XXXX. They has been no proper communications about this debt when then last time that I have spoke with them on the phone asked for record of this debt. They informed me they would send me the documentation, but I have not received it. 
I sent them a certified letter asking for REQUEST FOR VALIDATION OF DEBT and they did not respond within the 30 days allowed within the letter. 
I sent a 2nd letter informing them they that they did not respond in a timely manner therefor I am requesting them to remove this harmful reporting to my credit. I yet again have not received any response.

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 2022-04-04 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:
I have made several attempts to get a repossession from my credit report! This is outrageous and it is keeping me from moving forward with my life. I have not only filed a report with you before but also the credit agencies and the creditor, XXXX XXXX. I am so tired of this! I want the account XXXX removed based on the law 15 U.S. Code 1681a - Definitions ; rules of construction under ( 2 ) exclusions letter B. I will attach it to my complaint.

I want this removed ASAP. I am currently consulting a lawyer. I have anxiety that this has contriuted to. I am also a victim of the breach at Equifax.

I keep being told by the credit agency to call the creditor and they tell me to call the credit agency. I was even told by XXXX XXXX that they would remove it and they didnt. I called them back and they wouldnt honor it. What a joke! Where is the customer service and law abiding companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: CO

Complaint narrative:
I contacted XXXX XXXX regarding a debt showing on my credit report with account Numbers : XXXX, XXXX, XXXX I was requesting validation on all charges of account to my name. The hospital sent me statements listing all services provided by them. First of I understand that statements are not validation of debt. I also know that by sending me statements with services provided to " me '' at the time of admission is a breach of security per Federal Statues. The furnishing of my alleged accounts information to Medical Data Systems INC is not in compliance with HIPAA or North Carolina which was at the time my state of residence. Privacy Act. and any subsequent reporting of this account on my credit report to XXXX, XXXX, or XXXX is a clear violation of Public Law 104-191 ( " HIPPA '' ).

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 2022-04-04 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
My card was used fraudulently and 2 of the 3 charges were reversed but Synchrony Bank is reporting that I am responsible since it was shipped to my address from XXXX XXXX. Tracking number provided by bank comes up invalid. Fraudulent charge is about {$1000.00} for a raincoat I did not purchase or have shipped to my address.

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