vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-07 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: NY

Complaint narrative:
Account for XXXX was sold to XXXX XXXX XXXX and it was removed. Now in XXXX its been sold to another company and its back on my credit report. That account should be closed permanently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: NY

Complaint narrative:
Account for XXXX was sold to XXXX XXXX XXXX and it was removed. Now in XXXX its been sold to another company and its back on my credit report. That account should be closed permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I've disputed these credit inquiries on XX/XX/XXXX. I haven't got any response it's been past 60 days. I did not authorize these credit inquiries and Equifax is giving me a hard time removing them. They haven't sent any original consumer contract with my signature on it. 
I want these hard inquiries off my credit report according to the FCRA Section 609 ( a ) ( 1 ) ( a ), they are required by federal law to verify. 

XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, there are two companies that I have sent letters for 5 times with no answer at all. I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: GA

Complaint narrative:
On XX/XX/XXXX I received notification from my insurance company that my homeowners insurance policy had lapse due to my mortgage holder 's, Flagstar Bank, lack of payment. On XX/XX/XXXX I called Georgia Farm Bureau and had a three way call with a representative of Flagstar bank to make sure my information was entered correctly for payment. Flagstar assured us the payment would be sent to the provided address via FedEx overnight shipping since the policy was over 30 days late. On XX/XX/XXXX I received another notification from Farm Bureau stating my homeowner 's insurance had lapse again and my insurance agent had called and again requested an overnight check. I called Flagstar to get the information for the tracking number but was told the check was sent via USPS Non-Priority mail to the incorrect address. When I requested to cancel the check and send a new check via overnight I was told this was not possible. 

During this process I requested the homeowners insurance be removed from Escrow so going forward I could handle payment since Flagstar is obviously incapable. I was told to remove the homeowners insurance from my account I would have to pay a fee of .25 % of my total outstanding house loan. Flagstar 's inability to handle their basic escrow responsibility and charging me for control over my own money is an unethical attempt to control assets that do not rightly belong to them. I am appalled at the level of service I have received and, if given the opportunity, I would move my entire mortgage + escrow accounts to another entity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: LEXISNEXIS
State: OH

Complaint narrative:
RE : 2018 Bankruptcy Case # : XXXX I am writing to dispute the following bankruptcy information in my file. Please remove my 2018 discharged bankruptcy information from my credit report. This is a direct violation of 15 usc 1681 ( a ) ( 4 ) Infringed upon a consumers right to privacy, and 15 usc 1681b ( a ) ( 2 ) - In accordance with the written instructions of the consumer to whom it relates. Please delete now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One 360 checking account balance always incorrect resulting in account being overdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Mortgage company is Wells Fargo. Wells Fargo created two accounts using my SS number as an EIN. Then on XX/XX/2021, XX/XX/2021, and XX/XX/2021, Wells Fargo debited my mortgage escrow account {$650.00} ( 3 times ) to send payment for a hazard insurance premium due to XXXX XXXX. XXXX XXXX contacted me that payment had not been received, and that the policy would terminate. The policy terminated and was renewed after one payment was received. Wells Fargo had stopped payment on 2 of the 3 checks. Only one ( 1 ) credit escrow account has been received or only one of the two stop-payment checks. They will not remove the inaccurate account they created using my SSN as an EIN. I can not use on-line banking because of this. Wells Fargo states that XXXX XXXX should refund the credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: IL

Complaint narrative:
Throughout the WHOLE year of 2021 I have been in contact with Experian to advise them that the bankruptcies reported were incorrect I have MAILED, did online disputes with proof from the source XXXX XXXX that these bankruptcies are incorrect and have been deleted. However the only response is that this information has been verified with no proof. Proof has been requested and still no results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: PA

Complaint narrative:
This is XXXX XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified inquiries listed below are still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau has failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: MA

Complaint narrative:
Experian continue to violate the FCRA requirements on this disputed account. I have proof documentation directly from the credit report showing multiple FCRA violations by Experian with this XXXX XXXX account XXXX. I have circled and highlighted the FCRA violations by Experian for the CFPB review. 

( 1 ) Violation of FCRA illegal re-aging account from XX/XX/XXXX to XX/XX/XXXX. 

( 2 ) Violation of FCRA failure to put required notice of dispute in comments after I have disputed this account. 

( 3 ) Violation of FCRA inconsistent reporting by Experian with this 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 2021-10-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.The XXXX and XXXX Credit Bureaus are reporting inaccurate information on PORTFOLIO RECOV ASSOC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07 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 was reviewing my credit and noticed the following inconsistencies which violate my rights as a consumer. The following charge off account listed with XXXX with the account number XXXX has the following inconsistencies and violations. I have attached with this complaint a copy showing all 3 credit bureaus side by side for your review. *The DATE OPENED is inconsistent across all 3 credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies. * *The late LAST REPORTED is inconsistent across all 3 credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies. * *The late DATE LAST ACTIVE is inconsistent across all 3 credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies* *The DATE OF LAST PAYMENT is also inconsistently reported across all 3 credit bureaus. This is also a violation* As you know, the aforementioned inaccuracies are a violation to my right as a consumer and also a clear indication that this information was NOT properly verified upon you receiving it. I have faith in this credit bureau to be an outstanding company and protect my rights under the FCRA. Please delete the account from my report immediately and send me an updated copy of my report with the reflected changes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: FL

Complaint narrative:
Please help me understand something, Ive been a victim of identity theft. The following accounts on my credit report are fraudulent. 
1.XXXX XXXX in the amount of {$500.00}. Ive never done business with this company nor did i ever enter into a written agreement with this company. XXXX has ignored my request to validate this debt. It has been deleted from all of my other reports. Per FCRA Only accurate information can be listed on my reports. 

2.. XXXX XXXX XXXX XXXX in the amount of {$2500.00} this is a fraudulent account, which was removed from my file earlier in the year. This Account is Fraudulent!! This company never sent me a letter stating they would be placing this on my report, which is a violation per the FCRA, This account is Fraudulent, Please Block/Delete from my report!! Ive never done business with this company or entered into a written contract with this 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 2021-10-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please help me understand something, Ive been a victim of identity theft. The following accounts on my credit report are fraudulent. 
1.XXXX  XXXX in the amount of {$500.00}. Ive never done business with this company nor did i ever enter into a written agreement with this company. XXXX has ignored my request to validate this debt. It has been deleted from all of my other reports. Per FCRA Only accurate information can be listed on my reports. 

2.. XXXX XXXX XXXX XXXX in the amount of {$2500.00} this is a fraudulent account, which was removed from my file earlier in the year. This Account is Fraudulent!! This company never sent me a letter stating they would be placing this on my report, which is a violation per the FCRA, This account is Fraudulent, Please Block/Delete from my report!! Ive never done business with this company or entered into a written contract with this 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 non-monetary relief
Consumer complaint received 2021-10-07 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: NY

Complaint narrative:
I was reviewing my credit and noticed the following inconsistencies which violate my rights as a consumer. The following charge off account listed with XXXX with the account number XXXX has the following inconsistencies and violations. I have attached with this complaint a copy showing all 3 credit bureaus side by side for your review. *The DATE OPENED is inconsistent across all 3 credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies. * *The late LAST REPORTED is inconsistent across all 3 credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies. * *The late DATE LAST ACTIVE is inconsistent across all 3 credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies* *The DATE OF LAST PAYMENT is also inconsistently reported across all 3 credit bureaus. This is also a violation* As you know, the aforementioned inaccuracies are a violation to my right as a consumer and also a clear indication that this information was NOT properly verified upon you receiving it. I have faith in this credit bureau to be an outstanding company and protect my rights under the FCRA. Please delete the account from my report immediately and send me an updated copy of my report with the reflected changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: NY

Complaint narrative:
I was reviewing my credit and noticed the following inconsistencies which violate my rights as a consumer. The following charge off account listed with XXXX with the account number XXXX has the following inconsistencies and violations. I have attached with this complaint a copy showing all 3 credit bureaus side by side for your review. *The DATE OPENED is inconsistent across all 3 credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies. * *The late LAST REPORTED is inconsistent across all 3 credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies. * *The late DATE LAST ACTIVE is inconsistent across all 3 credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies* *The DATE OF LAST PAYMENT is also inconsistently reported across all 3 credit bureaus. This is also a violation* As you know, the aforementioned inaccuracies are a violation to my right as a consumer and also a clear indication that this information was NOT properly verified upon you receiving it. I have faith in this credit bureau to be an outstanding company and protect my rights under the FCRA. Please delete the account from my report immediately and send me an updated copy of my report with the reflected changes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I mailed out my dispute letters XXXX XXXX and as of today I have not received any results pertaining to my investigation results. This is a violation of my credit rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
Contacted Discover Credit Card on XX/XX/21 in regards to a dispute for the amount of {$540.00} for a XXXX speaker that arrived not as described, discover did not resolve issue until XX/XX/21, which is well last the two billing cycle or 90 MAXIMUM time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: MA

Complaint narrative:
Loancare is attempting to foreclose while I am in forbearance. This forbearance was approved XX/XX/XXXX through XX/XX/XXXX per attached letter from Loancare. 

This was approved on XX/XX/XXXX, a full 16 days prior to the 30 day response period given in the XXXX XXXX XXXX attorney letter dated XX/XX/XXXX. 

They filled initial foreclosure paper work on XX/XX/XXXX in error. I want this removed from the Land Court and Registry of Deeds. 

All documents that support the above timeline are attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I mailed out my dispute letters XXXX XXXX and as of today I have not received any results pertaining to my investigation results. This is a violation of my credit rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC
State: FL

Complaint narrative:
I want to have a written letter stating that when I pay this debt off it will automatically be removed from all of my credit report for all 3 credit breuer

Company response to consumer: Closed with explanation