vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-07 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX  XXXX Original creditor : XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX Original creditor : XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: IL

Complaint narrative:
The credit reporting agency has done it again I sent in every single document for an alleged Bankruptcy file # XXXX they have reporting on my report. I just received a document from them stating the item was verified which is completely false and in violation of the. They stated to me the item was verified through XXXX XXXX. I then went to them and they replied they could not even verify the information and removed it from my file. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted and they responded and flat out lied that the item was verified. This has been going on since XXXX. I have now gotten my states attorney involved as well as the XXXX XXXX XXXX. They are violating my rights and damaging my credit. I do not think they are conduction any research and furthermore once gain I sent them every single document. it is also on Transunion website they use XXXX XXXX : XXXX has removed it off my report with no issues because once again it is unverifiable and false. 

For bankruptcy public records collected through XX/XX/2018, TransUnion obtained information about your bankruptcy from third-party vendor, XXXX. XXXX may be contacted using the information provided below. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA 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 2021-08-07 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: NY

Complaint narrative:
I contacted you on XX/XX/21 explaining that my identity has been stolen in complaint XXXX. I submitted documents but this request was not reviewed & it has been well over 30 days. Please delete the information listed on this identity theft 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 2021-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank
State: FL

Complaint narrative:
First Progress Credit Card has stole XXXX in forms of payments from my account and refuse to reimburse the money. I called their customer service and I was told that Mr. XXXX XXXX review my account and found the payments on the statements. I have all the statements printed out from the open of the account to close. The payments are not shown anywhere. I also requested a copy of the front and back of all the check ever cashed by First Progress and have them available for review. This is a prepaid card and not a credit card therefore all the money there was mine to begging with so but those payments been missing I consider this stealing. I have all the files ready for upload when needed. I also was sick from XXXX when all this took place and was not able to work so this had a huge impact on my daily life. Even right now is taking me time and money to try to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
In XXXX of XXXX, I got received a letter saying that I had unpaid XXXX taxes due that totaled to {$2900.00}. They had been due at the end of XXXX, but now late fees were being added on. I checked and my escrow account had plenty to cover the cost, so I emailed my mortgage company ( Mr Cooper ) and messaged them on their website. I attached the bill and asked them to pay it. They said they were " reviewing the situation '' but never actually paid the bill. I sent them repeated messages, but they would only say they were " reviewing the situation '' and never took any action. Finally I paid the bill myself, along with the {$380.00} in late fees that had piled up. I messaged them about this and asked for a refund, as they are supposed to handle these bills as part of the escrow account. They sent me yet another letter saying they were reviewing the situation and once again took no action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I got a few emails congratulating me on my new account. Then text conformation. I thought they were spam. So I brushed them off and deleted. Then a few days ago I got a checkbook in the mail from a bank I did not open a bank account with. Somehow someone has my personal information and opened a bank account in my name. I called the bank and reported it as fraud and asked them to close all accounts in my name. TD bank is the name of the bank. My name is XXXX XXXX and I wish to report my identifications have been compromised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-07 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: TX

Complaint narrative:
I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: IL

Complaint narrative:
The credit reporting agency has done it again I sent in every single document for an alleged Bankruptcy file # XXXX they have reporting on my report. I just received a document from them stating the item was verified which is completely false and in violation of the fcra. They stated to me the item was verified through XXXX XXXX. I then went to them and they replied they could not even verify the information and removed it from my file. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted and they responded and flat out lied that the item was verified. This has been going on since XXXX. I have now gotten my states attorney involved as well as the XXXX XXXX XXXX. They are violating my rights and damaging my credit. I do not think they are conduction any research and furthermore once gain I sent them every single document. it is also on XXXX  website they use XXXX XXXX : XXXX  has removed it off my report with no issues because once again it is unverifiable and false.

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 2021-08-07 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I disputed the bankruptcy that is on my credit file, and Experian came back and said it was verified. I sent a follow up letter and it stated on the Experian website that they use XXXX to verify public records. I AM AWARE, THE FCRA STATES THE FOLLOWING : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified. 

I have enclosed UNITED STATES BANKRUPTCY COURT LETTER for your inspection. Please DELETE these items from my credit report as it is NOT verified! 

THE OCR and E OSCAR VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 

Please send me an updated copy of my report once the bankruptcy is DELETED. 

Enclosed is a copy of the letter I sent to Experian, XXXX and a letter from bankruptcy court.

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 2021-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have inquiries from Transunion and a public record from XXXX, showing a bankruptcy filing as a public record that is not mine. ( See Attached Letter and Notice of Dispute with Identity Theft Report/Notice ) I am requesting a dispute and removal of ALL items under the FCRA.

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 2021-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am making this complaint because your company keeps claiming that my letters that I keep sending directly to you by mail were are being sent by a third party or someone other than me. That is not the case. I, XXXX XXXX, am the one making this complaint.

Fact, the failure of a consumer to dispute the validity of a debt may not be construed by any court as admission of liability by the consumer. This was written by congress under the FDCPA, 15 USC 1692g. Only I, XXXX XXXX, who is the consumer can validate this alleged debt. This alleged debt is not mine. Therefore, under the provisions of the Fair Credit Reporting Act and the Gramm-Leach-Blilely Act, I hereby opt-out of the reporting of this invalidated and inaccurate account below. Therefore, if your company continues to report this invalidated and inaccurate account you will be in violation of both the FCRA and the Gramm-Leach-Blilely Act. 


XXXX XXXX XXXX Account # : XXXX Please also provide the signed proof that I, XXXX XXXX, gave your company to include ANY information to my consumer report. Pursuant to 15 USC 1681b, you can not report anything to my consumer report without my written consent. By law you have 30 days to provide me with this proof or this inaccurate and invalidated account must be removed from my report. Failure to provide me with the requested proof of the signed consent that I allegedly gave to your company within the 30 day period, will require me to follow up with whatever action necessary, as your company is in violation of my rights under the FCRA and the FDCPA and your company will be held legally responsible for noncompliance under the Fair Credit Reporting Act, 15 USC 1681n and the Fair Debt Collections Practices Act, 15 USC 1692k.

I have provided all of my personal documents, MY LICENSE AND PROOF OF ADDRESS that will be needed to process this complaint and locate me in your system.

Please send me an updated copy of my credit report showing the deletion of this inaccurate account.

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 2021-08-07 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: NJ

Complaint narrative:
I have attached accounts that are currently reporting to my 3 credit bureaus as of today inaccurately, per the FCRA all of the accounts have to report 100 % accurate information and they are not. I would like to have these accounts deleted asap. I have attached pictures of the accounts with the highlighted areas that are incorrect.

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 2021-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IN

Complaint narrative:
Lexis Nexis is violating my consumer rights.I do not recongize this public account I went up to the court to ask them have they furnished any of my private information to any consumer reporting agency they told me that they have not. I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 US COde 1681b ( 2 ) This company also had no permissible purpose to furnish this information on my consumer report and i want them to follow FCRA 15 US CODE 1681i delete this account from their records and let all other agencies they sold this information to, that they need to delete it as well..This fasley validated information is hindering my consumer report and causing me adverse action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: American Credit Acceptance, LLC
State: MA

Complaint narrative:
American credit acceptance, illegally repossessed my XXXX XXXX  while I was making payments. During a state of lock down. The company that repossessed my car is currently in jail for repossessing vehicles illegally and selling them.

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 2021-08-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I fell behind almost 5 years ago after having high risk major XXXX  XXXX that forced me to take off from work for weeks. My job did not pay me for any of my time off so I had absolutely no income at this time which is why I fell behind. At the time I couldn't imagine losing my home so I tried multiple times to modify the loan so that I could catch up and start making payments but I could never get them to approve the loan modification so I finally gave up and moved out of the house in fear that they would foreclose it and I would be out on the streets. Even after the failed loan modification attempts, Wells Fargo has continued to send endless sheets of paperwork offering me to apply for another loan modification, short sale, or a deed in lieu until as recently as 2 months ago. I am now in the process of trying to do a short sale with them and I have sent every single document that they have required of me and now they refuse to allow me the time to get through it. I sent in everything over two weeks ago, including an offer from a willing buyer and they still have a foreclosure auction scheduled for Tuesday XX/XX/XXXX. It's like they've set me up to fail ever since I seemed to have inconvenienced them with my health problems. I can not afford a foreclosure right now because I've worked so hard these past 5 years to rebuild my credit ever since I was out of work and this would kill my credit. I just need an additional 60-90 days to get this thing closed, can someone please reach out to assist 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 2021-08-07 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: NJ

Complaint narrative:
I have attached accounts that are currently reporting to my 3 credit bureaus as of today inaccurately, per the FCRA all of the accounts have to report 100 % accurate information and they are not. I would like to have these accounts deleted asap. I have attached pictures of the accounts with the highlighted areas that are incorrect.

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 2021-08-07 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have attached accounts that are currently reporting to my 3 credit bureaus as of today inaccurately, per the FCRA all of the accounts have to report 100 % accurate information and they are not. I would like to have these accounts deleted asap. I have attached pictures of the accounts with the highlighted areas that are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: Receivables Management Partners, LLC
State: IN

Complaint narrative:
RMP LLC is violating my rights as the consumer and hindering my reputation. THis third party has illegally bought my information by never contacting me the original creditor of this resell nor identifying me as the consumer according to 1681e ( 2 ) and 1692g notice of debt within five days. This company never received my HIPPA release to be able to collect on this alleged debt. nor to go after veteran medical information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I contacted XXXX TRANSUNION, and XXXX  on XX/XX/2021 about them colluding with the accounts on my credit report to commit identity theft and fraud. As a consumer and natural person XXXX, TRANSUNION, AND XXXX  had no written consent from me to furnish this account on my report therefore they are in major violation of my consumer rights. Pursuant to 15 USC 1681 b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I, the consumer, gave NO written consent to furnish this account on my credit report. Also, pursuant to 15 USC 1681 ( a ) ( 4 ) : Accuracy and fairness of credit reporting. The Congress makes the following findings : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. By furnishing this account on my report without the express written consent of me, the consumer and natural living person, you are engaging in unfair and unethical practices as a consumer reporting agency. So I, the consumer, demand that XXXX, TRANSUNION, AND XXXX remove this account from my credit report right now or face legal action. Finally, pursuant to 15 U.S. Code 1681c2 ( a ) ( 3 ) - Block of information resulting from identity theft - Except as otherwise provided in this section, aconsumer reporting agencyshall block the reporting of any information in thefileof aconsumerthat theconsumeridentifies as information that resulted from an allegedidentity theft, not later than 4 business days after the date of receipt by such agency of the identification of such information by theconsumer. Therefore they have 4 business days, and Congress states EVERY day is a business day, to remove this " XXXX '' account from my credit report or be in further violation of my consumer rights and face heftier fines/fees and legal action. The account in question is attached to this 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