vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-17 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: WI

Complaint narrative:
From birth I have been deceived by the very corporations I believed to be in my favor. For years ( XXXXpresent ) I've been disputing the bureaus against there accusations of alleged debts. EQUIFAX, INC attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at the least and unacceptable by every means! In XXXX, several items were removed from my report and thus placed back unto the report without consent. I now demand to be compensated for the continuous crimes committed against me as the Original Creditor, Natural person, Federally Protected Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: WI

Complaint narrative:
EQUIFAX , INC. attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at the least and unacceptable by every means. Since early 2018, Ive been disputing the bureaus against their accusations of alleged debts. As I tackled my report, several items were " removed '' which is a violation of federal law thus proving their guilt. Those same items which were deleted, verified or removed were thus placed back unto the report without consent. I now demand to be compensated for the continuous crimes committed against me as Federally Protected Consumer, the Original Creditor, Natural person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX and XXXX both let me know that Experion business was reporting the wrong address for my business. They told me in order for them to correct their reporting error. I would have to purchase their business credit report for {$40.00} then put in writing a request that it's incorrect. I should not have to spend my money to buy a product from them in order for them to correct their error. That is very unethical. 
My correct address for is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL 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 2021-07-17 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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: WI

Complaint narrative:
From birth I have been deceived by the very corporations I believed to be in my favor. For years ( XXXXpresent ) I've been disputing the bureaus against there accusations of alleged debts. TRANSUNION, LLC attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at the least and unacceptable by every means! In XXXX, several items were removed from my report and thus placed back unto the report without consent. I now demand to be compensated for the continuous crimes committed against me as the Original Creditor, Natural person, Federally Protected 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 explanation
Consumer complaint received 2021-07-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I want XXXX XXXX and Equifax to fix this problem and restore this good standing credit line to my XXXX Equifax only XXXX credit file. I have made all my payments on time and all they would need to do is CALL EQUIFAX and figure out the problem. I have since been denied a credit limit increase on this XXXX  XXXX account and feel that the denial was a direct result of the account missing from my Equifax credit file, XXXX Attachment 1, XXXX XXXX letter, XX/XX/XXXX XXXX. 

On XX/XX/XXXX while monitoring my Equifax credit report, it was reported that Equifax added a remark to the XXXX XXXX tradeline. The remark said, " Consumer disputes, reinvestigation in progress, '' ( Attachment 2, Equifax Credit report, XX/XX/XXXX ). This account was opened on XX/XX/XXXX and I have never disputed the account, ( Attachment XXXX, XXXX XXXX credit card statement, XX/XX/XXXX ). 

On XX/XX/XXXX, while monitoring my Equifax credit report, the XXXX XXXX tradeline was completely removed from my Equifax credit report. I contacted XXXX XXXX and they had no knowledge of the account being removed and they were still reporting it to all three credit reporting companies. I told them that it was only Equifax that removed the tradeline. They told me to contact Equifax. 

On XX/XX/XXXX I sent a letter to Equifax asking them to investigate the account and explain the reason they had for removing the account from my Equifax credit file. In my letter I also told them I had never disputed this account. The only response I received from Equifax was Dispute Results. The results state that XXXX  XXXX is NOT being reported to my Equifax credit file, XXXX Attachment 4, Equifax Results for Dispute # XXXX, XX/XX/XXXX XXXX. 

In XXXX, XXXX, I forwarded the Equifax dispute results to XXXX XXXX along with a letter asking them to fix this problem and restore the tradeline to my Equifax credit report. They replied with a letter that confirmed the account is being reported to my Equifax credit file, ( Attachment 5, XXXX XXXX letter, XX/XX/XXXX ). 

XXXX XXXX and Equifax are giving me the run around. Please fix this problem and restore this tradeline to my XXXX Equifax only XXXX credit file. I have made all my payments on time. XXXX XXXX PLEASE CALL EQUIFAX and fix this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX  Account Number : XXXX Reason : Unverified account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: TN

Complaint narrative:
Myself and my boyfriend went through Lexington Law Firm to help with our credit and the company didnt do anything but take our money so we cancel after being with them for two years or longer.The firm was suppose to help get our credit score up so we could be approved to be able to buy a home.I know the firm wasnt doing what they said theyd do cause our scores never went up not even our score up a few numbers.We paid {$120.00} a month each for years and never ever seen any difference in our scores and when wed talk to them they would tell us I assure you that we are working on both of your score but it takes time. No all the firm done is take our money and did nothing to improve our credit.Theres no telling how many people the firm has and probably still doing this to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX ( Original Creditor : 01 XXXX XXXXXXXX ) Account Number : XXXX Reason : Unverified account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: WI

Complaint narrative:
TRANSUNION, LLC attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at the least and unacceptable by every means. Since early XXXX, Ive been disputing the bureaus against their accusations of alleged debts. As I tackled my report, several items were " removed '' which is a violation of Federal law thus proving their guilt. Those same items which were deleted, verified or removed were thus placed back unto the report without consent. I now demand to be compensated for the continuous crimes committed against me as Federally Protected Consumer, the Original Creditor, Natural person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account Number : XXXX Reason : Unverified account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Persolve, LLC - Legal - Series 2
State: CA

Complaint narrative:
The XXXX XXXX mentioned below has generated my credit report without my consent. 
This agency inquired a hard inquiry from XXXX  using my personal information, SSN, Date of Birth. They did not send any notice, and I don't know who they are representing by using my personal information to get my financial background report. 

PERSOLVE LEGAL GROUP INQUIRY DATE : XX/XX/2021 CONTACT INFO : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: TN

Complaint narrative:
i have contacted Equifax numerous times to tell them the inquiries on my credit file with them are erroneous and a violation of the 15 usc 1681 ( B ). I notified them that inquires can only be on my personal credit file by '' permissible purpose '' and the consumer is the only one that can give permissible purpose and consent to their credit file.

I the consumer did not give " permissible purpose '' according to federal law 15 usc 1681 ( B ) therefore this is a violation of federal law and a violation of my consumer rights. This erroneous info on Equifax consumer file has caused great stress in my and my families life. i contacted them 3 times and now i am contacting the C.F.P.B who was put in place to protect the consumer rights. i will be seeking damages for the violation of my rights that the company Equifax has caused. i demand the following inquiries be removed from my consumer file. 
XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX date XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX These are a violation of federal law 15 usc 1681 ( b ) Thank you Mr XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: AZ

Complaint narrative:
I came across Spotloan loan service and received {$800.00} for a loan on XX/XX/21. The APR is 490 % which I believe to be illegal. I want to report this company as its operating on an XXXX tribe getting away with charging people illegal APR for such small loan amounts. Thankfully, I paid my loan off and have copies of confirmation of this. However, I am dissatisfied with the fact they charge 490 % interest on such low loan dollar amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: CA

Complaint narrative:
Accounts are not properly verified during disputes, Outdated information, Incorrect account numbers, Accounts that have been re-aged, Credit card account not reporting the credit limit, Charge off account showing currently showing past due, Open charge off accounts, Collection accounts with a credit limit, Closed accounts reported as open, Incorrect date of last payment, date opened, or date of first delinquency.

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 2021-07-17 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: CA

Complaint narrative:
Accounts are not properly verified during disputes, Outdated information, Incorrect account numbers, Accounts that have been re-aged, Credit card account not reporting the credit limit, Charge off account showing currently showing past due, Open charge off accounts, Collection accounts with a credit limit, Closed accounts reported as open, Incorrect date of last payment, date opened, or date of first delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have never had to do this much to get an issue resolved its amazing how Bank of America is giving me a run around about my money. SO I called bank of america to report fraudulent charges on my account back in XXXX. They filed a claim they told me they could not put some of the charges on the claim so okay I'm already XXXX because how does that sound if I didn't authorize a charge and it did not come from me. Then they tell me okay they have all my other charges taken down and it will take 10 days until I know something. Then after I recieved letter in mail I'm confused because where is the rest of the charges so I call back and go through the entire process of the claim again and still having problems now were at the end of XXXX file claim again says 10 days again so here we are in XXXX they close my claim stating oh we determined no fraud because there was no rush in reporting charges when I have been reporting the same charges for over 2 months but they have no record of the other times. I'M very upset I'm behind on Bill 's and a XXXX  mom I need my money. I have talked to idk how many people in customer service, the claims department even the manager of the claims department, now I have been trying to go higher up. Do I need a lawyer?? I'M COMPLETELY DISGUSTED and DISAPPOINTED WITH BANK OF AMERICA!!!

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 2021-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
LVNV is trying to collect on an account that was opened fraudulently and will not send me supporting documents. At first when I saw the collection accounts, they said closed in 2018. But ever since I called them to let them know that Im a victim of Fraud, the accounts are now back open?! I dont think this is legal! Without supporting me with the proper paperwork no least.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
LVNV Funding LLC is trying to collect for an account that not mine. They havent responded to my letters asking for proof that the debt is mine with no response. When I found out about this account it was closed in 2018. When I look now it says open and verified. But theyve never sent me anything. I lived in the same address for 9 years now. I dont even think what theyre doing is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: NC

Complaint narrative:
XX/XX/XXXX I TRIED GETTING A CREDIT REPORT FROM TRANSUNION AND IT STATED MY INFO WAS NOT MATCHING UP SO I WAS NOT ABLE TO RECEIVE REPORT! I HAVE BEEN GOING THROUGH AN IDENTITY THEFT CRISIS SINCE XXXX AND HAD BACKGROUND CHECKS RETURN WITH WRONG INFO! THEN IN XX/XX/XXXX SOMEONE ORDERED A CREDIT REPORT WITH DIFFERENT SOCIAL SECURITY NUMBER AND HAD IT MAILED TO MY ADDRESS AS WELL AS OPENED IT AND PLACED IT IN RESIDENCE SO I TRIED TO DISPUTE IT WITH COMPANY BUT HAVE YET TO GET A RESPONSE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation