vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XXXX XXXX my bankruptcy was discharged. XXXX XXXX, The mortage company first told me i had to reaffirm the debt. I called my lawyer and he said in California, you can not reaffirm a mortgage. I continuously paid my mortgage but they refuse to report it on my credit report. XXXX XXXX, I talked to XXXX Bankruptcy Department and they stated all I had to do was send credit bureau my payment history and they will put it back on. I Sent the information in and the credit bureau and they said XXXX has to report it to them again. I have attached my payment history to show that I have been continuously making my payment. 
XXXXXXXX XXXX XXXX  XXXX, SC XXXX XXXX XXXX  Phone Number : ( XXXX ) XXXX Acct # 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 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XXXX XXXX my bankruptcy was discharged. XXXX XXXX, The mortage company first told me i had to reaffirm the debt. I called my lawyer and he said in California, you can not reaffirm a mortgage. I continuously paid my mortgage but they refuse to report it on my credit report. XXXX XXXX, I talked to XXXX Bankruptcy Department and they stated all I had to do was send credit bureau my payment history and they will put it back on. I Sent the information in and the credit bureau and they said XXXX has to report it to them again. I have attached my payment history to show that I have been continuously making my payment. 
XXXXXXXX XXXX XXXX  XXXX, SC XXXX XXXX XXXX Phone Number : ( XXXX ) XXXX Acct # 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 2022-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: ID

Complaint narrative:
My loan was just sold to BSI financial services at the end of last year. I noticed in XXXX that my taxes have not been paid. I have contacted them four different times now to make sure that they get paid but it still hasn't been done. Every day that they don't get paid the penalty gets higher and I am afraid that they are gon na use my escrow dollars to pay the penalty as well which isn't right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: FL

Complaint narrative:
On XX/XX/XXXX I paid off two cars and my ex-wifes child support. On my credit report for Equifax, they dropped my score XXXX points, and removed one of my cars from the report. This is the second time in one year Equifax as attempted to fraudulently lower my credit score, thus allowing banks to try to charge me higher interest rates based off manipulated credit scores. Furthermore, when attempting to call and resolve the issue, the company attempted to gather inappropriate information like my drivers license and picture to file my complaint. I had already provided my SS number, by birthdate, my address, and my phone number. I refused to provide my license, as that would allow anyone at the company to store and use my information in devise ways. I dont appreciate this company again attempting to defraud me, taking my time and money, and acting like its not a big deal. I want this company fined for their behavior, and to be ensured they dont treat me like this again. Furthermore, after a car is paid off, the car is stay on your credit for 10 years. This company is trying to drop the car off my credit immediately. Again, this company has an obligation to the American people to get their facts straight, and to stop trying to commit fraud. The company is doing the same thing to my wife, whose credit is significantly different then the other two credit reporting companies. Clearly this company feels empowered to commit fraud, and not follow the rules. Furthermore, them attempting to gather information not required to fix credit scores outlines their need to collect data on individuals so that data can be sold on the open market. Again please for this company to immediately fix my credit score, and fine them a significant amount of money, that way they stop this behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: TN

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 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 30 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 2022-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
I have been threatened on multiple occasions over the phone by Thunderbird Collection Specialists Inc on multiple occasions on the phone with abusive language and behavior. The first call the lady stated " how was I going to rent anywhere else '' when I informed her we own a house she yelled " I know XXXX ( my sister in law ) got you and your wife into this mess '' and was cussing at me. At which point I cussed back and said " Your XXXX company is no longer authorized to call me ever again ''. They have called XXXX to XXXX times since with the last one being today XX/XX/2022 at XXXX am Arizona XXXX. Which I have saved and have blocked multiple numbers and calls from them. Also today I received a letter which I will attach a picture of stating the following threat " Dear XXXX XXXX, YOU HAVE FAILED TO MAKE ACCEPTABLE ARRANGEMENTS WITH US REGARDING THE REFERENCED ACCOUNT. WILL IT BE AGREEABLE WITH YOU FOR US TO CONTACT YOUR EMPLOYER AND ARRANGE TO HAVE THIS DEDUCTED FROM YOUR SALARY BY MEANS OF A VOLUNTARY WAGE ASSIGNMENT? PLEASE REPLY IMMEDIATELY. Sincerely, XXXX XXXX. My father recently was passing away and we needed to pick up and leave to be able to care for him including his frequent falls, lack of hygiene and being in complete renal failure and thus squired this debt. But however since my father 's passing TCS has made several threatening statements and phone calls which is all been documented and provided. Under the fair debt collection act debt collectors are not allowed to harass or intimidate the debtor which letters and/or harassing phone calls especially if the debtor has told them repeatedly to cease all contact. I'm requesting your agency to step in and intervene in legal manner available to get TCS to discontinue their unfair and illegal debt collection tactics, and to warn others of thier activities in order to inform the general public and consumers about Thier shady practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I did not consent, nor benefit from or authorize any of the following Accounts : XXXX XXXX XXXX  - Account # : ending in XXXX - {$340.00}

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 2022-03-02 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: FL

Complaint narrative:
IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ACCOUNT # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 2022-03-02 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: FL

Complaint narrative:
IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ACCOUNT # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 2022-03-02 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: CA

Complaint narrative:
There is a collection account that's been reported on my most recent credit report that I have recently disputed the validity of. Upon challenging this, Equifax MUST permanently delete the account on the basis that the bureau was unable to effectively confirm all the reported information is accurate. Due to the fact that I challenged this account with the credit bureaus, I noticed that you have now verified this same account. It has been more than 30 days that the bureaus have not RESOLVE or RESPONDED to my letter sent on the XX/XX/XXXX of 2022 I was led to believe that all credit bureaus receive the same information from the creditor under the Fair Credit Reporting Act ( FCRA ) ; if that is the case, I would like the creditors and the credit bureaus to provide copies of all the documentation you used to verify this account. In the event that such documentation is not produced, please DELETE this account from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: CA

Complaint narrative:
I am filing this report because of the accounts in Transunion that are false and should not be there. I tried sending letters to them but they are not removed as of writing. Please help me remove these false accounts because they should not be in 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 non-monetary relief
Consumer complaint received 2022-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: AR

Complaint narrative:
There is a debt ( CENTRAL PORTFOLIO CONT ) showing up on my XXXX credit report that I am not responsible for nor do I have any knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Social Finance, Inc.
State: NJ

Complaint narrative:
In the month of XXXX in 2021, my personal information was used to apply for multiple loans. One of which with a lender, Sofi Lending, was successfully processed and funds were wired out of my bank into some sort of cryptocurrency wallet. By the time I had discovered the fraudulent charges and activities, it was too late and the cryptocurrency platform/company had advised the transactions were not able to be reversed since the entity had withdrawn the funds funded by the lending corporation. 
I have tried since the end of XXXX leading into XXXX and up to date to resolve the matter directly with the lending company and bank. 
So far I have placed an identity theft alert and fraud alert on my accounts and closed my bank account that was infiltrated/hacked into. 
I have submitted affidavit forms with my bank and they should be under internal review/investigation. In the interim I do not feel comfortable with my credit being ruined as I have no previous history of ever missing payments or overdue balances on any of my legitimate credit lines. 
I have filed a police report and can provide copies of all documents as needed. 
The personal loan pulled under my information is for an amount I will not be able to manage and I strongly disagree that it should be my responsibility as I have not used any of those unauthorized funds to begin with. 
This is not only straining my life mentally and physically but financially it is definitely placing me in a very uncomfortable situation. 
I have been employed with the same company for the past 3 years and receive my compensation that it more than enough for me to pay off my expenses and still leave me with some to save on the side for my future financial goals. 
Please provide assistance as the lending corporation has not made any movement on their end even after I submitted the fraud packet back to them with all the documents they requested I provide. 

Fraudulent Loan was processed in the amount of XXXX. 
( 3 ) Unauthorized wire transfers were processed - taken from my account into a bitcoin wallet that is pretty much untraceable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681XXXX within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX Balance : {$100.00} XXXXL XXXX XXXX Balance : {$370.00} XXXX  XXXX Balance : {$0.00}

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 2022-03-02 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: RoundPoint Mortgage Servicing LLC
State: CO

Complaint narrative:
Im XXXX XXXX and I refinanced our house with XXXX I believe and before the 30 day period they sold my loan to RoundPoint. Neither company properly informed us this happened. In the meantime RoundPoint called and said they were our new Mortgage company but never officially properly notified us they had purchased our loan. We thought they were a scam or fraud and we ignored their request for payments. They reported us to all 3 credit agencies. We worked an agreement to make payments and settled with them but they refused to remove those credit late payments. We refinanced our home with XXXX Mortgage due to RoundPoint not keeping their word.

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 2022-03-02 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: TN

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 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 XXXX ( 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 30 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 XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong 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 non-monetary relief
Consumer complaint received 2022-03-02 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: TN

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 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 30 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 XXXX, Experian and XXXX data breach and may have got into the hands of the wrong 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 non-monetary relief
Consumer complaint received 2022-03-02 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: FL

Complaint narrative:
IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ACCOUNT # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 explanation
Consumer complaint received 2022-03-02 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: NJ

Complaint narrative:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX  XXXX Balance : {$100.00} XXXX  XXXX XXXX Balance : {$370.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
XXXX XXXX through Convergent Outsourcing are trying collect money from me for an account that I had with XXXX in 2016, I didn't have an account with XXXX in 2016, or any other time, I do not owe XXXX or XXXX, and XXXX has not done nothing to remove it from 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 2022-03-02 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: FL

Complaint narrative:
I was checking my credit report, there are so many negative information. I told you, these information do not belong to me. XXXX sure that someone have my personal information.

Company response to consumer: Closed with explanation