vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-21 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:
Experian has refused to remove hard inquiries on my consumer credit report. I was advised to contact the companies directly. I mailed letters to the companies and they were returned 'undeliverable. ' The addresses listed on my consumer credit report are inaccurate which Experian would have known if they conducted an investigation. The hard inquiries negatively impact my FICO score. Additionally, they violate the law.

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 2021-09-21 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: MD

Complaint narrative:
My credit file was compromised in the massive Equifax security breach in XXXX and the XXXX XXXX XXXX breach in XXXX therefore, I have been monitoring my credit profile with Equifax on a regular basis. On XX/XX/XXXX, I disputed erroneous personal information names, DOB, addresses and Employment in my credit file in which my credit scores were in the 600+ range and on XX/XX/XXXX several negative unknown entries were inserted on my credit file which caused my score to drop over 100 points. I am inserting my credit report from the month of XXXX and the month of XXXX just so that you can see the difference of reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: GA

Complaint narrative:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2021-09-21 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 credit reporting agency refused to remove hard inquiries on my consumer credit report. I was advised that I needed to contact the companies directly. I mailed letters to the companies and they were returned to me as 'undeliverable. ' These hard inquiries negatively impact my FICO score. Additionally, the hard inquiries listed are a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have for months been trying to get my consumer report AND FILE from transunion, I have requested it by mail and not received it, the only time I have received copy is when disputing something, which as of this point theyve made it extremely difficult because I cant access my report online through annual report or on Transunion site, and when Ive called they cant verify my identity based on my answers. 

Please help me with my request, this is frustrating and causing me stress, I have things that need to be addressed on their reporting and its not allowing me to.

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 2021-09-21 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:
All hard inquiries on my credit report are being reported in violation of the FCRA. Pursuant to 15 U.S. Code 1681a ( 2 ) ( B ), the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

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 2021-09-21 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I reached out to XXXX concerning a hard inquiry made on my account on XX/XX/2019 by TD Retail Card Services. I was advise by an agent that I can not dispute the inquiry via their agency ( XXXX ) and that I needed to contact the company ( Td Retail Card Service ). I immediately reached out to Td Retail Card Service and they could not find an inquiry or service made using my social. They then informed me that I should reach out to XXXX to have it removed. I called XXXX again and they told me that they can not remove hard inquires. 
I am very concern that my information was used and the company it was used can not verify this information. Therefore I am writing to complain and have this hard inquiry immediately removed. 


Call log XXXX - 5 mins 14 secs ( XXXX ) XXXX - 14 mins 51 secs ( Td Retail Card Services )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: IL

Complaint narrative:
I have recently sent in multiple disputes letters since XXXX 2021 .Thats right for about 180 days I have been telling you all that you are in MULTIPLE counts of infringement. 

I would actually like to follow along and move forward and sue you all for defamation of character because you all are making me look bad on the outside by tarnishing my report with inaccurate, false and negative items. 

You all send me mail that claim to be accurate with no proof on how they determine the accuracy .I NEVER asked for validation of the account .I said that you all REPORTING false, inaccurate and negative items .Then I ask for it to be removed from my report but you basically telling me no, disregarding that under 15 USC 1692G you must provide me the 5 things that can validate a debt.I then reported and informed you all that you are violating 15 USC code 1666b `` billing error '' with a screenshot proof of every billing error on my consumer report .So, how can you reply back and tell me Im wrong and all that I have been doing is reading the inaccurate information that you have furnished? You are suppose to be reporting 100 % ACCURATE but these items are not even 30 % correct. I have asked and followed protocol numerous amount of times but you are not following the government protocol .If I tell you you are breaking the law and give you a specific law and what youre doing that makes the law broken you sending me this account is accurate and verifiable does not meet the requirement of the dispute didnt ask you is this verifiable .I didnt ask you anything I told you where you were wrong and that I wanted the accounts to be removed ASAP. Did not ask you to send me billing statements saying its accurate because yet again you are disregarding my FDCPA FCRA rights. 


I will also attach a screenshot file of my report that shows all of the inaccurate information under the attached document file AGAIN im asking for all of this to be removed from my report as it should be

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 2021-09-21 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I noticed multiple inquiries and a account I do not recognize

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 2021-09-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: MO

Complaint narrative:
My complaint is about the bill from XXXX XXXX XXXX. XXXX XXXX XXXX defaulted on our agreement. XXXX XXXX XXXX did not provide the service that I was charged for and the claim should be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21 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: NJ

Complaint narrative:
I noticed multiple inquiries and a account I do not recognize

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 2021-09-21 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: NJ

Complaint narrative:
I noticed multiple inquiries and a account I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: MD

Complaint narrative:
Equifax is reporting a public record that does not belong to me. I have checked with the US Bankruptcy court to see why this information was reported on my credit file and they stated that they do not report to credit bureaus. The following information is being reported by Equifax and it is erroneous. 

Chapter XXXX Bankruptcy XX/XX/XXXX XXXX {$0.00} Federal {$0.00} {$0.00} Chapter XXXX Bankruptcy Discharged XX/XX/XXXX XXXX {$0.00} Federal {$0.00} {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

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 2021-09-21 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: TX

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: MN

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 I'm 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 promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: IN

Complaint narrative:
Regarding an auto loan with Flagship Credit : The loan balance is about double what it should be. I purchased the car in XX/XX/XXXX. I have a contract for XXXX payments. My payments are {$370.00} per month, yet they show a balance of nearly XXXX. I asked the about it and they said my interest compounds daily. I say that should be accounted for in the contract payments/terms. Also they said I have been more than 30 days late XXXX times. This is also not true, and my credit report will show this. I believe they are trying to extort money from me. This is a predatory loan that I received from a XXXX dealer. I had no idea it was such. This car is a XXXX now with over XXXX miles on it and they say I still owe over {$8000.00} a car that the purchase price was {$11000.00}.

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 2021-09-21 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:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hello, I was in agreement for a product for a XXXX  company I work for. The merchant didnt provide the agreed product but indicated fees associated. After sending the fees and funds, I asked for my money back. The individual mentioned it was all a scam and money was sent to other using emails and account information. I attempted to reach out to Chase to support in retrieving information on the recipients for a pending lawsuit or to retrieve the money back. 

On XX/XX/XXXX two scam transactions occurred, one for {$800.00} and another for {$1200.00}. XX/XX/XXXX : one for {$1200.00} abs another for {$1000.00} occurred. 
XX/XX/XXXX : Two transactions one for {$2000.00} and another for {$1000.00}. As well as another for {$1000.00} occurred. Ive reached out to me bank to inform them of the fake business and transactions that occurred. I attempted to open a case and Chase denied it. I mentioned proof that another vendor, XXXX, confirmed this business was a fake business. In addition to hiring a private investigator. Yet, they denied it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: TX

Complaint narrative:
First off, this is a complaint from the actual consumer & not a third party This credit card was paid off by me in XXXX but Experian keeps reporting this as a negative account & if the account has been paid off then the negative payment information needs to be deleted altogether per the FCRA. The creditor has also reported the incorrect balance while Experian has deleted all positive payment history from this account. In addition, the bureau also still hasnt deleted my old addresses & name variations after I sent this information to them. Ive also asked for an investigation per section 611 of the FCRA to how theyre still allowing incorrect information to be reported & they continue to ignore & act as if my disputes arent clear. If any of this information isnt updated or if this complaint gets tosssd again I will be contacting my attorney Im not asking for another dispute, I want to know how you all are continuing to verify inaccurate information on my credit report. Ive sent several other complaints that have been ignored by your company & need you all to actually do your job

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 2021-09-21 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: SC

Complaint narrative:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation