vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-04 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:
Upon checking my credit report I noticed that there are two accounts from XXXX XXXX with two different account numbers being report on credit report. Account # XXXX and Account # XXXX*.I only have one account with XXXX XXXX  which is Account XXXX XXXX. I never applied for a second account. Somehow this second account seems to be a duplicate account of my current one. Included is a copy of my current credit card statement with accurate account number. According to the fair credit reporting act 15 USC 1681 : I have the right to privacy, 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my writmen instructions. 15 U.S. Code 1681i Section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the 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 2022-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Hello, I recently received an updated copy of my credit report dated XX/XX/2022 through my XXXX XXXX XXXX XXXX and noticed 40 inquiries on each of my 3 bureau credit reports that I did not authorize or consented to which is a violation of my rights to privacy. These inquiries are highly injurious to my credit and my ability to borrow. Furthermore, I suspect that I'm a victim of some sort of Identity Theft due to the fact that I lost my wallet a couple of years ago at the XXXX XXXX here in XXXX NC. I contacted XXXX on XX/XX/2022 and informed them of my findings. I explained to the representative that I may be a victim of ID Theft. The Representative stated that I should file an FTC ID Theft Report and send that to all 3 bureaus including XXXX, XXXX, & TransUnion which I did on XX/XX/2022. Please see a copy of this FTC ID Theft Report attached.

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 2022-08-04 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: NC

Complaint narrative:
Hello, I recently received an updated copy of my credit report dated XX/XX/2022 through my XXXX XXXX XXXX XXXX  and noticed 40 inquiries on each of my 3 bureau credit reports that I did not authorize or consented to which is a violation of my rights to privacy. These inquiries are highly injurious to my credit and my ability to borrow. Furthermore, I suspect that I'm a victim of some sort of Identity Theft due to the fact that I lost my wallet a couple of years ago at the XXXX XXXX here in XXXX NC. I contacted XXXX on XX/XX/2022 and informed them of my findings. I explained to the representative that I may be a victim of ID Theft. The Representative stated that I should file an FTC ID Theft Report and send that to all 3 bureaus including XXXX, Equifax, & XXXX which I did on XX/XX/2022. Please see a copy of this FTC ID Theft Report attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: HOME BANCSHARES, INC.
State: FL

Complaint narrative:
Some woman alleging to be XXXX called several times from a number in XXXX, TX ( XXXX ) XXXX. She alleges to work for Centennial Bank. She alleges to be calling regarding a dispute. The number from which XXXX calls is an unmanned mailbox and is directly routed to a switchboard notice. There is no extension provided. There is no last name provided. There is no operator to speak with. This is a fraud scheme carried out by Centennial Bank. They do not investigate disputes in compliance with federal law. Instead they knowingly engage in these scams with the intent of evading compliance with federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I feel like I'm being taken advantage of being ignored of my disputes. It is clearly stated on XXXX that failure to examine an item within 30 days is cause to instantly remove it off my credit report. Since it has been over 60 days, these entries should be deleted immediately. I demand that these accounts be deleted immediately, or I will sue you for the stress you have caused me.

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 2022-08-04 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: GA

Complaint narrative:
I was alerted that my Social Security number and Private Information PPI were being used on the " dark web ''. I contacted TransUnion, XXXX and XXXX and noticed several unauthorized inquiries on my file reports. When I attempted to dispute these HARD INQUIRIES with the three companies, they stated I need to file a police report. I do not want to waste our tax dollars on reporting to the POLICE when the resources are needed for actual human life emergencies. Therefore, I am submitting my complaint to CFPB to investigate per the 15 U.S. Code 1679c and other statutes. 

XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX 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 2022-08-04 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: MN

Complaint narrative:
My credit score from Equifax and XXXX, as reported to me via XXXX XXXX and XXXX XXXX XXXX XXXXXXXX is XXXX Excellent, however, when I recently applied for a mortgage re-finance, the mortgage broker, XXXX XXXX XXXX, received a credit score from Equifax of XXXX. I contacted Equifax and complained, but they stated that the mortgage broker likely used one of their other credit models that was different from the credit model used to provide my credit score to the XXXX XXXX and XXXX services. Using a credit score of XXXX is, obviously, going to result in my having to pay a much higher interest rate on my mortgage re-finance than a credit score of XXXX. A credit reporting company should not be allowed to issue different credit scores like this!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: GA

Complaint narrative:
First this account is not mine. Second, it has been reported different on each credit report. One says open, one says closed, and the payment history is different on all three. 
15 U.S.C. Sec. 1681i ( a ( delete if inaccurate ) I have reported this and nothing has been done.

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX XXXXXXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions and consent.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-08-04 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX these accounts below has violated my rights. 


Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXXXXXX XXXX  Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04 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:
In accordance with the Fair Credit Reporting act XXXX these accounts below has violated my rights. 


Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: GA

Complaint narrative:
I've identified all things in my report that I did not consent to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Brock & Scott, PLLC
State: SC

Complaint narrative:
On XX/XX/2022, I became aware that Brock and Scott PLLC, of XXXX, South Carolina are posing as lawyers on case XXXX, in XXXX XXXX XXXX Court of Pleas. This is a direct violation of title 15. There are no trustee 's associated with XXXX XXXX XXXX XXXX or any of his private property. I do not have a contract with these debt collectors. I have called and requested a W-9 for tax identification and was denied. I have no clue who this business is or who the work for.

Please take notice of revocation of Power of Attorney and all future trustees. Recorded in XXXX XXXX Record of Deeds. Bk 791 Pg 335. 

They can not collect a debt for anyone because I do not owe any debt. They are using my name and SSN to which they have no permission. Please see attachments. Any proceeding with XXXX XXXX XXXX XXXX must be submitted to SOUTH CAROLINA SUPREME COURT. XXXX XXXX is not a government entity. It is not a court of record. Which is why I am contacting this government agency to rectify the actions of these debt collectors. 

Brock and Scott have employed my name and XXXX. They can not have me on there books as a debtor because the emergency banking act is still active. All debt obligations are of the United States. This is fraud clearly. 

They claim to work for XXXX XXXX XXXX XXXX XXXX who is also a debt collector. This is fraud to me and the CFPB has been informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
I contacted Freedom Mortgage and sent them my Insurance Policy. This included multiple messages with my insurance information attached as well as calling XXXX to have them send Freedom Mortgage my insurance information. Freedom Mortgage refused to recognize my insurance. I then filed a compliant with the CFPB and attached my insurance documents as well. As a clearly punitive action, after I filed a complaint with the Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX Customer Service responded saying he went out and purchased an insurance policy without my permission and overnighted the payment WITHOUT MY PERMISSION. This is completely unacceptable as I clearly provided my insurance information. 

CANCEL THE CHECK TO TRAVELER 's for the insurance policy you illegally purchased on my behalf and respect the policy I provided you MULTIPLE times through multiple forums. My policy is attached AGAIN for your review.

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 2022-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

1. XXXX XXXX XXXX Account Number : XXXX Bal : {$1500.00} 2. XXXX XXXX XXXX Account Number : XXXX Bal : {$79.00} 3. XXXX XXXX XXXX Account Number : XXXX Bal : {$54.00} 4. XXXX XXXX XXXX Account Number : XXXX Bal : {$200.00} 5. XXXX XXXX Account XXXX : XXXX Bal : {$150.00}

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 non-monetary relief
Consumer complaint received 2022-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

1. XXXX XXXX XXXX Account Number : XXXX Bal : {$1500.00} 2. XXXX XXXX XXXX Account Number : XXXX Bal : {$79.00} 3. XXXX XXXX XXXX Account Number : XXXX Bal : {$54.00} 4. XXXX XXXX XXXX Account Number : XXXX Bal : {$200.00} 5. XXXX XXXX Account XXXX : XXXX Bal : {$150.00}

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 non-monetary relief
Consumer complaint received 2022-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX  XXXX  Account # XXXX 30 days late on XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
First this account is not mine. Second, it has been reported different on each credit report. One says open, one says closed, and the payment history is different on all three.

15 U.S.C. Sec. 1681i ( a ( delete if inaccurate ) I have reported this and nothing has been done. 
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX  XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 602 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions and consent. 
15 U.S.C 1681c. ( a ) ( XXXX XXXX Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( XXXX XXXX A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
First this account is not mine. Second, it has been reported different on each credit report. One says open, one says closed, and the payment history is different on all three.

15 U.S.C. Sec. 1681i ( a ( delete if inaccurate ) I have reported this and nothing has been done.

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX  XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions and consent.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL

Complaint narrative:
I feel like I'm being taken advantage of being ignored of my disputes. XXXX makes it abundantly clear that failure to review a credit report item within 30 days will result in its immediate removal. These entries should be deleted immediately as they are older than 60 days. I require that these accounts be erased immediately ; otherwise, I will sue you for the stress you have given me. 

WAKEFIELD ( Original Creditor : XXXX XXXX XXXX  XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: DC

Complaint narrative:
The servicer AES will not report the balance of the loan to XXXX so that the loan can be pd. based on my father being totally XXXX. The loan should have never been in default, It was on income based that was XXXX for the last couple of years and then for some reason it was denied and went into default. I have called AES for the last couple of months, put in a complaint through the US Dept of education and still nothing. I am livid. Please help. 
XXXX XXXX, POA for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: IL

Complaint narrative:
I feel like I'm being taken advantage of being ignored of my disputes. XXXX makes it clear that failure to review an item within XXXX  days will result in its removal from my credit report immediately. These entries should be deleted immediately as they are older than XXXX days. I demand the immediate deletion of these accounts ; otherwise, I will sue you for the stress you have given me. 

XXXX ( Original Creditor : XXXX THE XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation