vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-07 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2018. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: KY

Complaint narrative:
I have never been late in any of my accounts. This negative reporting and it violating my privacy

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 2021-05-07 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: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I have never been late in any of my accounts. This negative reporting and it violating my privacy

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 2021-05-07 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: EQUIFAX, INC.
State: MO

Complaint narrative:
The three credit agencies have inaccurate information about my name, addresses, phone numbers, public records information. These three agencies are allowed to casually commit libelous acts against the public, with little to no consequence, but the consequences for the individuals are real. Also, I shouldn't have to send in a copy of a driver 's license or utility bill to access MY credit report. I don't need to send a credit reporting company a copy of my driver 's license or utility bill. That is insane and an invasion of a person 's privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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 — Problem with personal statement of dispute
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
XX/XX/2021 National Credit Systems on behalf of my former landlord, XXXX XXXX, XXXX, placed collection on my credit report for {$21000.00}. 
NCS acct XXXX Prior to this I submitted a dispute to NCS for the amount charged and being collected with explanation. NCS stated the information was insufficient to validate, dispute or revise their records. The dispute included Federal, XXXX and local statutes, executive orders which were in place that prohibited any eviction. My response also stated that we vacated the property, at the XXXXXXXX XXXX XXXX  XXXX XXXX listed a named individual and referencing email ) on XX/XX/2021 and that the charges listed by the landlord were billed through XX/XX/2021. This also is evidenced on the eviction order. 
A dispute and response was filed with the district court within 1 day of notice and stamped by the clerk. No hearing was held, no state, local or federal statute was followed whereby a hearing should take place under my rights, nor has the landlord, its lawyers, or NCS provided me with the required tennet information in writing, outlining the protections that were and remain in place for tennents on the same day the eviction was filed. This is a XXXX law. 
Te landlord charges list late fees which are also banned under the Federal, Executive Order by Florida XXXX and CDC moratorium which are invalid. 
A XXXX hardship form had been supplied to the landlord months in advance of eviction filing and is on record. 
Gate passes were charged as not being returned when maintenance staff were told where they were in the unit in the main entry table. 
The XXXX and Eviction Moratorium also states that misleading statements about this order used to collect a debt or rent is a breach of Federal law. 
No charges should have accrued past XX/XX/2021 yet they are listed and charged through XX/XX/2021. 
No itemized water, sewer or cable charges have been supplied to me. Any rate could be listed and the calculations remain unseen to validate them. 
The landlord stated that they never intended for eviction to occur as they were seeking funds from XXXX XXXX Cares which were approved and due to be disbursed on XX/XX/2021, per XXXX XXXXXXXX XXXX. This is evidenced in emails from XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX who had to withdraw the funding as it had already been allocated and was being sent to XXXX. XXXX has not shown any evidence that they did or did not receive funds from XXXX XXXX XXXX or their correspondence to such.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: TX

Complaint narrative:
The date of my first letter complaint was XX/XX/2021. I sent a letter regarding inaccurate and unknown things on my credit report. 

On XXXX21 I filed my first complaint with the CFPB due to the non response from your company. Since then I have received a notice from the CFPB that you stated that you think that my complaint was filed by someone other than my self. This is false and untrue. My complaints with your company are 100 % done by me. I have a legitimate complaint that you are knowingly reporting false, inaccurate incomplete, and unverifiable information on my credit report. I have brought it to your attention now 3 time. I expect this matter to get resolved immediately. 

The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. You have had 30 days to complete your investigation, and you have failed to respond with in that given amount of time. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. 

This is my 2nd and final attempt to get this matter resolved. My 1st attempted complaint was sent to the CFPB XX/XX/21. Any further attempts will include additional complaints to the XXXX, FTC as well as my States Attorney General.

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 2021-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
During the process I provided the Company with all documents requested but had a home that was being sold in which I provided them all documents that were given to me by the company and requested by them. My concerns were at every turn they seemed to continue to scrutinize my documents excessively and the reasons for it didn't really make sense. Despite having an average 840 credit score, over 740 score for mortgages which I was told by them is over qualified, I was being asked to keep proving payment history for my house despite it being paid off in documents that were given and reflected in my credit report as no late payments for over 15 years. After questioning the motives of this type of review and leaving messages expressing my displeasure with the process the Rep called the next day saying he spoke with underwriting and they would accept documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
My mortgage was sold from XXXX XXXX XXXX to XXXX XXXX. XXXX XXXX has selected Fifth Third Bank as my mortgage servicer. While Fifth Third has sent me a letter encouraging me to set up an online account, none of my information appears in their online system. When I called the initial time ( with extremely long wait times ), I was told it would be populated by XX/XX/XXXX. Upon calling this morning -- after my information had not been populated to the system -- the agent was unable to find my information, I was encouraged to go into a branch ( there are none within several hundred miles ) and I was told that if I wanted more assistance I would have to be put back into the queue. 

Frankly this level of incompetence is embarrassing to the federal government XXXX XXXX XXXX XXXX, and I don't think is indicative of typical mortgage servicers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: LJ Ross Associates
State: PA

Complaint narrative:
This account was included in bankruptcy

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
I started working on my credit report snd noticed two collection accounts from Wakefield and associates the credit report said XXXX XXXX IS THE origin but I am unaware of such said company I notice Wakefield keep increasing the balances on those accounts which is mind blowing to me. Wakefield is violating my HIPPA RIGHT if these are medical bills. If wake field do not cease and desist all actions immediately I will seek counsel to bring legal action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: AL

Complaint narrative:
I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXXXXXX XXXX XXXX XXXX XXXX  on XX/XX/2020 ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/2020 XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) XXXX. XXXX on XX/XX/2020 XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/2020 ( Reported Identity Theft ) XXXX. XXXX on XX/XX/2020 XXXX Reported Identity Theft ) XXXX. XXXX  on XX/XX/2020 XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/2020 XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/2020 ( Reported Identity Theft ) XXXX. XXXX on XX/XX/2020 XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/2020 XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XX/XX/2020 ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/2020 XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/2020 XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX XXXX  on XX/XX/2020 ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/2020 XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Someone has reported me as deceased to the credit reporting companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
XXXX. Equifax, AFTER my written and repeated requests and without reason, refuses to provide me with an 'ARCHIVED ' record of my credit score for XX/XX/2020. 
XXXX. The downloaded documents detail that ( Attachment # 1 ) Equifax provided me with my current score. That's not what I wrote them for ( Attachment # 2 ). 
XXXX. Equifax KNOWINGLY refuses to provide me with a record of my score history, because they asked me to submit verification information that THEY ALREADY HAD. XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX adversely affected my credit score when they informed me that they retrieved a score from Equifax that resulted in their decision to administer adverse actions against me based upon 'Delinquency '. XXXX Attachment # 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello CFPB, Experian is taking extremely long to update the XXXX XXXX account. I called XXXX XXXX the third week in XXXX and I was told that they gave Experian my updated account information at the end of XXXX and it was up to Experian to update it. I called Experian and they told me that they would process it and its now XX/XX/XXXX and it is still not update from when I first asked for the update. 
Also can you please ask Experian to remove the inaccurate address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX. I have sent Experian proof of my address many times and have told them that of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX is not my address and it does belong to me. But they refuse to remove it. I asked them sense they are reporting this address where is the lease with my name on it or audio from the leasing office verifying this address as belonging to me. 

Lastly Experian has 2 hard inquiries for XX/XX/XXXX XXXX and XX/XX/XXXX XXXX XXXX XXXX. They are adding an extra month to the removal date. The FCRA clearly states that after 24 months XXXX not 25 months ) that the hard inquiry must be removed from a consumers credit report. 

Why is Experian being allowed to violate my consumer rights. Can you please investigate their bad faith business practices. 
Please see all the screenshots and highlighted items as my proof as to what I am complaining about. Please investigate Experian and advise them of the law and make them obey it. Because I should have a right to sue them for violating my consumer rights.

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 2021-05-07 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: TX

Complaint narrative:
The date of my first letter complaint wasXX/XX/2021. I sent a letter regarding inaccurate and unknown things on my credit report. 

OnXX/XX/XXXXI filed my first complaint with the CFPB due to the non response from your company. Since then I have received a notice from the CFPB that you stated that you think that my complaint was filed by someone other than my self. This is false and untrue. My complaints with your company are 100 % done by me. I have a legitimate complaint that you are knowingly reporting false, inaccurate incomplete, and unverifiable information on my credit report. I have brought it to your attention now 3 time. I expect this matter to get resolved immediately. 

The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. You have had 30 days to complete your investigation, and you have failed to respond with in that given amount of time. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. 

This is my 2nd and final attempt to get this matter resolved. My 1st attempted complaint was sent to the CFPB XX/XX/21. Any further attempts will include additional complaints to the XXXX, FTC as well as my States Attorney General.

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 2021-05-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The date of my first letter complaint wasXX/XX/2021. I sent a letter regarding inaccurate and unknown things on my credit report. 

OnXX/XX/XXXX I filed my first complaint with the CFPB due to the non response from your company. Since then I have received a notice from the CFPB that you stated that you think that my complaint was filed by someone other than my self. This is false and untrue. My complaints with your company are 100 % done by me. I have a legitimate complaint that you are knowingly reporting false, inaccurate incomplete, and unverifiable information on my credit report. I have brought it to your attention now 3 time. I expect this matter to get resolved immediately. 

The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. You have had 30 days to complete your investigation, and you have failed to respond with in that given amount of time. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. 

This is my 2nd and final attempt to get this matter resolved. My 1st attempted complaint was sent to the CFPB XX/XX/21. Any further attempts will include additional complaints to the XX/XX/XXXX, FTC as well as my States Attorney General.

Company response to consumer: Closed with explanation