vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX , FL XXXX TODAYS DATE:XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX  XXXX, XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX CHARIOT XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX , FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeApartment complex THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX Phone numbers do not belong to me ( XXXX ) XXXX Cellular ( XXXX ) XXXX Cellular ( XXXX ) XXXX Cellular EMPLOYEES DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX , FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: TX

Complaint narrative:
I have received a letter from XXXX the data furnisher that provided Transunion with inaccurate alleged bankruptcy information. No Power of Attorney, US Bankruptcy Court or any other entity with an original notarized signed proof of alleged bankruptcy and proof of identity has been provided by XXXX, XXXX, Transunion or any other person/entity of who can testify under oath that an alleged bankruptcy occurred. 

Tranunion has violated my rights under FCRA, CFPB, FTC. Any inaccurate information that can not be obtained and verified or proven by law with the truth have to be removed from my credit file. Transunion has not re-investigated the alleged bankruptcy. Transunion has made false allegations and has not mailed me at my request proof of the alleged bankruptcy. FCRA suppose to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports.

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 2021-10-13 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: CCS Financial Services, Inc.
State: VA

Complaint narrative:
Notice these Fact, I HAVE NEVER SIGNED A CONTRACT OR PROMISSORY NOTE with CREDIT COLLECTION SVCS. I know them to be a 3rd party debt collector meaning they must legally operate under 15 usc 1690 or the FDCPA. I demand to see a receipt of purchase giving them legal jurisdiction to collect any debt they may claim I own past present or future. Pursuant 18 usc 8 ANY & ALL CERTIFICATES OF INDEBTEDNESS & BILLS ARE THE OBLIGATION OF THE United States XXXX. Notice in Fact, I have never given my written or verbal permission for this item to be furnished on my consumer report which is a clear violation of 15 usc 1681b. Any violation of the FDCPA is punishable by {$1000.00} per violation. So I DEMAND these items be removed from my consumer report IMMEDIATELY or pay me {$5000.00} for every minute that the alleged debt has been on my consumer report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
Notice to Agent is Notice to Principal and Notice to Principal is Notice to Agent BILLING ERROR ; REQUEST FOR DOCUMENTARY EVIDENCE I wish to clarify a billing error which I have reason to believe and do so believe has been delivered to me in accordance to 12 CFR 1026.21. Please provide me the Documentary Evidence pursuant to 15 USC 44

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: NC

Complaint narrative:
Recently, as a resident of the state of North Carolina, where I have resided for over 52-months, I was given notice that a collection was posted against me by a collection agency known as XXXX XXXX, XXXX. They claim that I owe {$1900.00} on a XXXX account that was under my name 7-years ago before I was married. The account was under XXXX XXXX, but it followed me to my married name XXXX XXXX. This account, if valid can not be collected against me in the state of North Carolina that has a 30-month collection statue of limitations. Also, this account went into default well over 84-months ago. What XXXX XXXX XXXX XXXX did was pick up the collection information from a debt pool program, then changed or dismissed information to lead the credit reporting agencies to believe that they were handed a legitimate collection. Not even XXXX is in the equation on this, and I demanded accountability of the collection in XXXX of 2021. This was the response given to me through the XXXX XXXX XXXX XXXX, as follows : The company sent its response directly to you and provided a copy to the CFPB. It may take a few days for you to receive the companys response. To protect consumer privacy, the CFPB has not included the companys response in this consumer portal. You can contact the company at ( XXXX ) XXXX about its response to this complaint. 
There was never any response mailed to me to show that XXXX gave permission to move on a collection against me, not in written form or by an electronic transfer agreement. XXXX XXXX XXXX XXXX is running a scam against me personally, and in violation of the Fair Debt Collection Practices Act, the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX has also violated its subscriber agreement with all four pertinent credit reporting agencies, whereas they posted a collection that is not collectible, nor was there a standing agreement between the parties where any indebtedness occurred. XXXX XXXX XXXX XXXX believes that they can use a process of holding a persons credit standing XXXX, to collect on any debt that they maintain 100 % control on. There will be no disbursement to XXXX from XXXX XXXX XXXX XXXX if any payment arrangement is made as there is no legal debt owed. The 84-month timeline has passed is XXXX had any position on the original account. 
XXXX XXXX XXXX XXXX needs to have their rights to process collections with the credit bureaus, XXXX, Equifax, XXXX XXXX and XXXX respectively. This process must cease permanently, and my personal information must be purged by XXXX XXXX XXXX. 
I demand that XXXX XXXX, XXXX delete any reference to a collection against me from XXXX immediately and permanently. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: AES/PHEAA
State: MA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The account FEDLOAN SERVICING is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: PA

Complaint narrative:
Several laws where broken by under the FCRA under your company I can't get a job I can't Obtain Credit, Housing, Car loans this has cost me financial injury.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
Deferred payments on the mortgage of my residence during COVID. Forbearance is over, and my lender will not accept modification of the missing payments to end of loan. 
They want lump sum payment or will foreclose. I am currently still unemployed due to COVID. This is not fair and not what was inteneded when goverment required COVID deferrals from lenders.

Lender is Specialized Loan Servicing.

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 2021-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BOEING EMPLOYEES' CREDIT UNION
State: CA

Complaint narrative:
On XXXX - 2021 I went into the branch at Boeing Federal credit Union in XXXX Washington I opened a personal checking and savings account along with a credit card which I was approved for in the amount of {$27000.00}. When the card arrived I tried to activate it however I wasnt able. I called in and tried to speak to a representative Who was very rude and very abrasive.And she ultimately wanted to know my race which I dont understand how that please as a criteria for my approval or my relationship with the bank. They asked me to submit in documents which I did .First they told me it would take 24 hours then they told me it would take five business days then they told me it would take seven business days and I keep getting the runaround from these representatives at this institution which is very unprofessional to say the least.My credit report clearly states that this account is open and in good standing so I should be able to utilize this credit which was granted to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
On XX/XX/XXXXXXXX XXXX  I was informed by XXXX XXXX XXXXXXXX that Mr. Cooper had rejected my payment " due to : Incorrect biller account. ". I contacted Mr. Cooper at XXXX on XX/XX/XXXX and when prompted by the IVR about why I was calling asked " why did my payment not post ''. The IVR took me to a payments menu, and when none of the options matched my inquiry, I was only given the option to return to the main menu. I posed my inquiry to the IVR multiple times over the 8 minute call, but each time was never given an explanation why my payment did not post or the option to speak to someone. A recording of a portion of my experience is attached. 

The account number for this bill payment that I specified with XXXX XXXXXXXX XXXX was XXXX and payment was sent to the address on my service transfer notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
I recently came to a settlement agreement with company " US COLLECTIONS WEST ''. Part of the agreement was that US COLLECTIONS WEST would delete this account from my credit reporting after my payment successfully went through. Well, my payment went through and it has been over 30 days and it is still reporting on my credit. This account needs to be deleted asap! Please see the attached settlement agreement.

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 2021-10-13 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 paid off my car lease with XXXX XXXX XXXX. Equifax refuses to update their records and keep saying I owe a balance XXXX as of XX/XX/2021. This was paid off XX/XX/2021. I would like this updated on my equfax report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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 paid off my car lease with XXXX XXXXXXXX XXXX Equifax refuses to update their records and keep saying I owe a balance XXXX as of XX/XX/2021. This was paid off XX/XX/2021. I would like this updated on my equfax report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I called about obatining a free credit report form all three credit agencies on XX/XX/XXXX. I spoke to a representative and told him about the e-mail breach scandal that was in the newspapers in XX/XX/2020 about XXXX XXXX in XXXX  ( my former employer ) and another hospital. I was one of several victims in that breach. He empathzed and tried to get me to do the request online. I told him several times that I was having issues with internet and phone ( which are tied together ) at home. He processed the requst for alll three credit reports. I got 2 of 3 reports 10 days later ( Equifax and XXXX ). The information on both are incorrect. The Equifax page 1 and 2 has may last name incorrect ( XXXX XXXX not XXXX XXXX ). Second part of the report page 3 and 4 1 ) does not list proper government id for validation 2 ) 2 addresses are incorrect 3 ) employment history : worked for 4 company since what this fraudulent document is stating ; also it reports employer as XXXX XXXX when it should be reported as XXXX XXXX or XXXX XXXX XXXX. On page 5, there are two hard inquries for Equifax in two different parts of XXXX. I lived in XXXX for 7 years and I remember it being located in just XXXX. I tried to call Equifax to speak to a live reprensentative, but the IVR kept it all automated. I checked the time on docuement which shows they shuldbe opened. But looking back at XX/XX/XXXX, I realized I called after hours and got a representative for Equifax ( called at desk phone after work ( XXXX ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
The only payment that Ally Bank has reported correctly was the first payment. EVERY payment since then has taken months to report if it ever does and is incorrect balance. Multiple phone calls/emails to customer service only yield a foreign CSR " explaining how credit works '' and no changes. An incorrect update was pushed out by an executive in customer relations named " XXXX '' in XXXX but then no new data posted for months to any bureau. Over the past 2 days I have received credit monitoring alerts that my loan balance increased by over {$200.00}. At no time have I missed a payment and I always pay MORE than the amount due. ALLY blames the credit bureaus ( though all show the same incorrect information ) and the bureaus blame ALLY. I as the consumer am stuck in the middle and despite producing statements that are accurate ALLY refuses to report correctly to the bureaus impacting my credit score ( s ) negatively on a monthly basis. The infuriating part is if I were to miss a payment that they would report within minutes. A search of the internet reveals that this is not an isolated problem with ALLY and occurs for almost every customer across the board. How can I get my credit files correctly reported and cleaned up?

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 2021-10-13 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on COMENITYBANK/VICTORIA SECRET. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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 contacted Credit Bureaus/Agencies ( XXXX and TransUnion ) and the Creditors ( XXXX XXXX ( 2 ) and XXXX  ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

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 2021-10-13 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: ID

Complaint narrative:
Hello, I have a complaint against the 3 credit bureaus- Transunion , XXXX XXXX XXXX . I work in the XXXX XXXX as an XXXXr so I see credit report 's all day long and the credit scores are all over the board. I obviously can not give out names or SS # s to show you examples but my own credit report would be a good example. I have had a perfect credit history for past 3 years and before that I had 2 X 30 day lates. I check XXXX XXXX almost daily to view my report. After viewing my credit scores yesterday, one bureau dropped 70 points because my 3 different accounts increased by no more than 120 a piece and that is not over the credit limit either. How can the scores vary so much? I have also seen where people with new credit, less than 12 months and only 1 tradeline have scores over 700. How is that?

Something is totally wrong with this system and it needs to be addressed. It's so frustrating to watch my scores go up by a few points then just sky rocket down, it's not right especially when I have worked so hard at keeping everything paid on time.

Please advise on how to get this corrected. I am sure that I am not the only person that feels this frustration.

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