vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-22 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: NY

Complaint narrative:
I have called and reported inaccurate information being reported, my payment and balance history is missing from each credit report I purchase and receive for free. This report also, neglects to report on time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
This complaint is in reference to My credit report showing a collection from your agency. I already sent a letter to your company but you did not respond with what I asked for to verify your claims of this alleged debt that I supposedly owe. I was never notified of this collection. I do not believe this debt is accurate. I do not believe this debt is mine. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature and documentation that shows I gave you permission to have my information, and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state.

6 ) A copy of the full purchase agreement 7 ) I want you to Swear under penalty of perjury you were present during the alleged debt Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 
Also read the attached letter and review all of the violations by your company

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 2022-03-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: FL

Complaint narrative:
This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. After that I sent you the attached letter and I never got a sufficient response. Unfortunately, credit bureaus often use software that does not complete thorough investigations.I am disputing the following information directly with you, the furnisher of information, and I am requesting that you send me all papework you have on this account so i can review the accuracy of your reporting. You are a financial institution identified in 15 U.S. Code 1681a ( t ) Financial Institution.The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. For the record I do know and understand by law, who you are and who I am.

1. I would like to see your GAAP ( general acceptance accountability principles ) which is your paper trail from where/when it came directly from your account.

2. I also want to know who is the original creditor?

3. I am also requesting the Individual Masterfile ( IMF ) pursuant to 15 USC 1681G this should contain every payment I ever made, the original wet signature contract, not a copy or printouts, it should also contain info on where you got it, how you got it, and when it was stored. If dont get this its a violation 4. Also I do not recall you CLEARLY and CONSPICUOUSLY disclosing to me the CONSUMER my right to opt out according to

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Corporation
State: AL

Complaint narrative:
In 2019 there was a company that continued to reach out to me to collect a debt. I continued to tell them that the debt was not mine and I wanted to dispute this. I am an XXXX XXXX XXXX XXXX XXXX XXXX. I did not authorize this. The company then charged it off and sent it to a collection company. Me and my wife have tried to get this dismissed or investigated before they sold it off to a collection agency. I have asked for documentation, contracts, and never received any of these items before they sent it to a collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: OneMain Finance Corporation
State: NY

Complaint narrative:
On the day of Saturday XXXX of XX/XX/2022, I was checking my rate with XXXX when I received a notification from XXXX that one main financial made a hard pull inquiry on my credit file. Ive tried many time to get in touch with them to have it fixed. They explicitly become rude and telling me to write on the letter and send it to XXXX before they will see if they will do anything about it. Im not interested by their product. I never allowed a hard inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: GA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: GA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
I never initiated any transaction with Caine & Weiner ( neither XXXX XXXX or XXXX XXXX ), and I dont have a contract with Caine & Weiner XXXX They reported a debt I do not owe onto my consumer report while simultaneously harassing me and trying to coerce me into paying an alleged debt. I asked for proof of the alleged debt. Caine & Weiner did not verify the debt and continued negative reporting ruining my credit score. They violated my consumer rights and was made aware of it in writing. They didn't care, they parked the debt on my consumer report. This company has violated and abused debt collection practices, and they have also defamed my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I went to Chase Bank XXXX XXXX XXXX, CA ( XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX ), to access my safety deposit box. They were unexpectedly closed, and had a sign that said to set up an appointment online or call phone number. Okay, inconvenient but understandable. But online, that branch on chase.com did NOT have an ability to schedule an online appointment. OK, so i reached out to Chase XXXX support. They told me to email the XXXX with details about the location, customer name, address, and Box #, which I did. I got a reply that this location is not scheduling anything! Then they said if you can not reach anyone, then email the branch manager, but they didn't include the branch manager 's email address. Chase has essentially ransomed my safety deposit box illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-03-22 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: FL

Complaint narrative:
I have been sending letters to all ( 3 ) credit bureaus since XX/XX/2021. I have the certified PS Form 3800 receipts as proof along with sample letters used so that they would comply. They only broke more laws each and every time I requested my credit score, how the information was legally verified/ obtained, and the names of the person ( s ).

I was taken advantage of due to malpractice while several laws were being broken under the FCRA ; by your company. This has caused me financial injuries, defamation of character, and significant loss. I cant get a good job, I lost my security clearance and I cant apply for credit. I cant get an SBA loan or anything associated with credit. Under these crisis and stressful times you have hurt my ability to obtain credit and rebuild as a XXXX veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-03-22 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: CA

Complaint narrative:
Fraudulent inquiries and inaccurate account information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: AR

Complaint narrative:
I am XXXX XXXX this statement with my proper identification and verifying my identity. I have enclose below the proof of violations done by Equifax in the attachments. 

CHECK ATTACHMENTS BELOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
My property taxes are delinquent because Mr. Cooper has failed to make my property tax payments. I alerted them immediately once I received a late notice from my county in mid XXXX. It is now late XXXX and my property taxes have still not been paid and two late penalties have been added to the amount and the county is threatening to put my property up for tax sale in two weeks ( on XX/XX/XXXX ). I have all the money just sitting in my escrow account that I can not make the payment myself. They finally sent me an email saying they made the payment on XX/XX/XXXX and they took the money from my escrow account, but I kept checking my countys website and they did not receive the payment. I contact Mr. Cooper again and they said they JUST sent it overnight via XXXX on XXXX XXXXhe day I reminded them about it. Its now XX/XX/XXXX and I checked the tracking number and it still says pending even though it was supposed to be sent overnight on the XXXX and they took my money out on the XXXX. Now, theres less than 2 weeks left before my property goes up for tax sale.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: NJ

Complaint narrative:
Alleged Collection account : Under advice of counsel for litigation the following collection company did not provide proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX. I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
XXXX XXXX XXXX XXXXXXXX {$1600.00}

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 2022-03-22 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:
Alleged Collection account : Under advice of counsel for litigation the following collection company did not provide proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX. I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
XXXX XXXX XXXX  XXXX {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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:
Equifax is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 3 complaints informing Equifax that I was a victim of identity theft. Equifax is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Equifax has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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:
Transunion is failing to comply with FCRA Sections XXXX and is also in breach of Sections XXXX & XXXX for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted XXXX complaints informing Transunion that I was a victim of identity theft. Transunion is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Transunion has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX BANK XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo is violating the privacy of individuals sharing credit info of individuals to local businesses to file loans or credit accts on their behalf without permission of the individual. I only became aware of the issue because I had an XXXX XXXX military alert on my credit report acct.

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 2022-03-22 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: FL

Complaint narrative:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: WA

Complaint narrative:
I have been treated unjustly with a discriminatory and malicious intent from the branch manager of US Bank XXXX XXXX, WA. Her name XXXX, and the assistant regional manager XXXX, have done everything in their power to prevent me from transacting or even closing my various accounts at US Bank. Furthermore I have had funds in my account for 20 days and still can not transct on my cds or positive balance. I lost out on a real estate deal where because of her pointless driven action to put hold after hold after hold on my account, I am now liable for escrow failure to deliver and owe the seller {$10000.00}. 

I have also asked repeatedly for an explanation for the holds and treatment and frankly outright control and information sharing against my wishes. 

I have {$470000.00} in verified and settled assets and, not only can I still not close my account or transact on it, I keep getting refered back to the " branch ''. The US Bank fraud department has no issues only one person, a branch manager who is clearly not doing her job and continues to lie and data share against my wishes.

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 2022-03-22 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: FL

Complaint narrative:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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