vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-13 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: IN

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 2021-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Hello, I am making a complaint against TransUnion. I have been disputing an account on my credit report that is inaccurate and TransUnion has avoided giving me specific information I have asked for and in return they have failed to properly verify this account. I sent a letter on XX/XX/21 asking TransUnion to investigate an account for accuracy. On XX/XX/21 I was sent a letter stating that this account was verified. On XX/XX/21 I sent a letter stating that I did not agree with the investigation results and asked them to do a re-investigation and to provide the names and addresses of each person with whom they verified the information with, so that I could follow up. ( In which Im entitled to according to the FCRA ). On XX/XX/21 I was sent a response letter stating that the account was verified with no follow up information. On XX/XX/21, I sent a method of verification letter with specific questions asking how the account was verified. ( Again, which Im entitled to according to the FCRA ). On XX/XX/21 I received a response letter stating that the account was verified, with no follow up information to my questions. On XX/XX/21 I sent another method of verification letter asking the same questions. On XX/XX/21 I received a response letter stating that the account was verified, and again, with no follow up information from the questions that I had previously asked.

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 2021-10-13 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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my accounts and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: IL

Complaint narrative:
On XX/XX/2021 there was a hard inquiry on my Transunion credit report from XXXX XXXX. I did not apply for credit from XXXX XXXX. I called Transunion on XX/XX/2021 and they referred me to you to get a copy of a Fraud Report

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 2021-10-13 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: HireRight Solutions, Inc.
State: IN

Complaint narrative:
HireRight LLC, consumer reporting agency must correct, or delete inaccurate, incomplete or unverifiable information, must be removed or corrected within 30 days. The agency didn't request documents I didn't receive documents related to the reporting, police reports, Accident reports, all reports on file, and remove all negative information that is seven years old. HireRight reporting agency is giving fraudulent information without investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
In early 2020, I was informed of this debt from IC systems representing XXXX XXXX XXXX  when I was in the process of buying a home. The debt did not belong to me so I followed protocol and procedures and sent them my Information and filled out their fraud packet. I also contacted XXXX and provided a police report and it removed within a few days as well as flagged as fraud from the collection company. This morning it was submitted on my credit report but for a different amount. I contacted them right away and was apologized to regarding it severely affecting my credit report and that it would be removed. I also contacted XXXX and they requested for me to fill this form out so they can block this company from being submitted to my account again.

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 2021-10-13 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:
The accounts listed below do not belong to me. Pursuant The FCRA credit agencies must verify accounts reported on a consumer credit report. I did not give any company nor agency consent to benefit from or utilize my authorized credit. 

Account Name Account Number XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX Original creditor XXXX Original creditor XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have sent several letters to these companies which are : 1.XXXX XXXX XXXX XXXX, 2.Bank of America, XXXX also known as ( XXXX XXXX XXXX XXXX ), and 4.XXXX XXXX asking them to send me validation or Verification of the debt that they claim I owe. It has been more than 30 days since I sent these letters out with No response These company is reporting fraudulent information on my credit report Which is Violating my consumer rights. They are required to respond to my letter within 30 days. Since they have not these companies most send a letter to the three credit bureaus XXXX XXXX XXXX that they most delete these companies off my credit Report.

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 2021-10-13 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: U.S. BANCORP
State: NV

Complaint narrative:
In XX/XX/XXXX the financial crisis of the pandemic caused me to once again fall behind with my auto loan. Due to a technical error and user error my payment that I processes on XX/XX/XXXX was processed thru an external account prior to funds being available. Usually it takes 2 days for processing however my payment was processed the very next day which caused my payment to be returned and not satisfied until one day after being reported to the credit bureaus as a 30 day late... This caused my credit score to drop 72points. In addition I verified that for months XXXX, XXXX, & XXXX of XXXX no payments has been reported as per the installment agreement arranged in XXXX of XXXX ... On Time reporting for covid 19 reasons. I wrote the CEO, XXXX XXXX in late XXXX, unfortunately my concern was passed on and processed without consideration of my account status nor my loyalty with their company. I employed XXXX XXXX in XXXX of XXXX and they were successful in getting my US Bank account corrected with XXXX only. The accou nt was corrected with XXXX, however after after 45 days the incorrect information came back. XXXX has remained unchanged after several attempts to resolve directly with US Bank.

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 2021-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
COMENITYCAP/XXXX


Contact XXXX XXXX XXXX XXXX, OH XXXX

HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF $XXXX THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: NJ

Complaint narrative:
I have tried to send Multiple disputes regarding my credit report with no response. I call and still do not get a response. I sent multiple letters with out a response over 30 days ago.To this day over 40 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute.

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 2021-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc.
State: MD

Complaint narrative:
I had current insurance coverage with XXXX XXXX XXXX XXXX. I contacted the insurance company at the time and was informed that the medical charge would be covered. I contacted the provider when the account went into collections and then contacted IC system to resolve the matter and provided information but was told nothing could be done. This collection is affecting me financially as it is the only negative derogatory marks on my credit report and is impacting the possibility of me obtaining any type of loads at a rate that would be considered average.

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 2021-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Goldman Sachs is listed as a credit card on my credit report. I dont have this credit card and never did. Please close this account for me. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
Just reporting a fraud attempt. Someone tried using my social security number to open two bank accounts. 

One with : XXXX XXXX XXXX and one with American Express Personal Savings. 

Both banks have been notified by phone to log the applications under fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: AL

Complaint narrative:
I was contacted by TrueAccord on XX/XX/21 ( SUNDAY ) through an EMAIL from an agent named XXXX XXXX, then I sent a reply that my name is being fraudulently misused and then I received an email on XX/XX/21 from an agent named XXXX XXXX. ( Last name was not mentioned other than the initial XXXX ), that stated : Taken from the FTC Fraud Affidavit and meant to help with the investigation. Please answer as many as you can and attach any supporting documentation. 
Please provide your full legal name, date of birth, drivers license number, current address, and the date you first lived at that address. 

Please provide information about the fraud ( like when you first discovered it, when you reported it to authorities or others, details about other frauds committee using your personal information ). 

If you know the name of the person who used your information or identification documents to open new accounts or use your existing accounts or otherwise commit fraud please provide their name, address, phone number and any other information about the crime ( like how the identity thief gained access to your information ). 

Attach any police report, government ID containing your signature, or other document that you believe would be relevant. 


If you prefer, you can mail this information to XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX, but I did not. Also, XXXX XXXX had the original address : XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX, that XXXX XXXX used for XXXX on XX/XX/21 BUT she also enclosed another address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX, within the email Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: TX

Complaint narrative:
XXXX XXXX Acct # listed as XXXX Opened XX/XX/2018 Opened by someone named XXXX XXXX XXXX. This is a fraudulent account- my name is XXXX XXXX XXXX . I have sent this company my information and they just sent back to Experian and XXXX that the account was sold. I have my Texas driver 's license showing my legal name, so I need this deleted from Experian, XXXX, and XXXX. The address they gave on file is not my current or former residence.

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 2021-10-13 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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNTS LISTED BELOW NEED TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX Balance : {$660.00} XXXX  XXXX Balance : {$22000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
This is concerning Exeter finance. This Is not my account. The name is spelled differently and social is different and also address. I sent in my social security card copy, ID and they promised to remove it and never did so. I need the account to be blocked and removed from three credit bureaus. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
XX/XX/XXXX, XXXX, XXXX, XXXX frequent phone calls at my place of employment. I have made several attempts to have them stop calling my work phone. My employers does not all personal phone call on work phones. they have called my co-workers asking them to transfer them to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC.
State: FL

Complaint narrative:
Kay Jewelers HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$940.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation