vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/XXXX and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable. I, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as XXXX. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. This complaint should not be closed at any time for authorization needed. As this submitted complaint with attached documents will be my written authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I received a recent copy of my consumer credit report and noticed some unauthorized inquiries and COLLECTIONS that I did not authorize nor benefit from. Please block and remove this fraudulent activity from my credit report as it hinders me from moving forward in my life and also damages my general reputation.

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 2022-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
They are very good. They somehow had multiple numbers. Had my kids and their phone numbers and names. 

They said they were XXXX  but they did not give their full company name. 

Just XXXX. 

Their number was XXXX They said I owed XXXX loans that I never opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: CA

Complaint narrative:
EQuifax has on numerous occasions reduce my credit score Just recently I had XXXX Fraudulently established accounts removed ( XXXX XXXX XXXX XXXX ) as with an inquiry supporting XXXX of the accounts and in accordance to the algorithms referencing time established on the credit report which XXXX  was a new account XX/XX/20 but this was a Fraudulent account I disputed and my credit score should have been raised higher than XXXX XXXX being that one in both situation these were compromise fraudulently established accounts and duration of time left on my credit report subsequent to me notifying Equifax of fraudulent compromised documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: NY

Complaint narrative:
On XX/XX/2020 I noticed an account on my credit reports that I did not recognize from CKS Prime Investments. I realized I had never received a notice of the right to dispute regarding this collection. That same day, I sent CKS Prime Investments a letter to validate the account. I have a certified return receipt signed for my letter on XX/XX/2020 by XXXX XXXX. In the XXXX  days that followed I did not receive any documentation validating either debt. On XX/XX/2020 I sent a follow up letter stating they failed to validate the debt, neglecting to send any documentation and requesting to have the accounts removed from my credit reports immediately. My XXXX letter was received certified return receipt on XX/XX/2020, also signed for by XXXX XXXX. Again, I received not response and the accounts were still not removed. I sent all of my documentation to the XXXX credit bureaus and again it was not removed.

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 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues i will be forced to start LITIGATION. If you believe that I've obtained possession of goods, services, or money as a result of information to be blocked, have your executive member or the company put it in an affidavit of truth notarized. Thanks for your cooperation in this matter. I am XXXX XXXX and I am submitting this complaint MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.

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 2022-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I made my {$550.00} on XX/XX/XXXX ( due date XX/XX/XXXX ) to Capital One Auto Finance. On XX/XX/XXXX payment was reversed by Capital One Auto Finance - but monies were not returned to my facilitating bank account with XXXXXXXX XXXX I received an email telling me my payment was late on XX/XX/XXXX. I called Capital One we spoke with a supervisor who told us the website was under maintenance it was a glitch and would be fixed in XXXX days. I was told I would not be charged a late fee. On XX/XX/XXXX I received another email regarding the late payment and now a late fee is assessed. I called and spoke to a manager again - who said she would " waive '' the late fee. I told her a late fee was never warranted so " waiving '' the late fee is ridiculous. I advised them I wanted a confirming email of the issue and the fix. I was told that their department can not send emails. I asked for a manager over her. I was told that dept. didnt open till XXXX I would have to call back. I told her under the circumstances I should be able to have someone return my call. She said she could escalate but it would take XXXX hours to get a call back. This is unacceptable. They have not credited my account for the monies taken from my checking account, nor have they returned the funds to my account. Now they are assessing late fees. I warned of my legal and complaint actions if a late payment was reported to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credova Holdings Inc
State: FL

Complaint narrative:
I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases from XXXX XXXX XXXX contracted by Credova Financial , LLC which was assigned to XXXX XXXX for the total balance of {$2200.00}. This information was obtained from an installment contract received by XXXX XXXX on XX/XX/XXXX from CFPB complaint # XXXX. This debt is not mine. The address listed on the contract XXXX XXXX XXXX PL, XXXX FL XXXX is not my home address. I have lived at the home address at the top of this letter since XXXX ( A copy of electric bill from XXXX is attached ). Furthermore, the contract is electronically signed which does not show my signature or prove that I was the one signing the contract. I have filed an FTC Identity Theft Report for the company that shows this debt on my consumer report XXXX XXXX XXXX. I have also filed a police report with XXXX police department XXXX XX/XX/XXXX. A copy of that filing with case number is attached and once made available you will be sent a copy of the police report. A letter has also been sent to XXXX XXXX XXXX. 
In accordance with the Fair Debt Collection Practices Act, you are required to stop collection proceedings against me and stop communicating with me about this debt. You are to Cease and Desist immediately and dissolve me of this debt that has been fraudulently opened in my name. 
I may also remind you that failure to comply is a direct violation of my rights under the Fairs Credit Act and Fair Debt Collection Practices Act. 
I have enclosed a copy of the Federal Trade Commissions Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, I recently reviewed my Credit Profile and see numerous unauthorized inquiries. I have also reached out to each lender but they have ignored my request. These fraudulent negative factors are tarnishing my credit profile.

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 2022-02-10 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: AZ

Complaint narrative:
TransUnion continues to violate me and break the law in accordance with the FCRA. I have filed multiple complaints already on this matter. There are two ( 2 ) hard inquiries on my credit report and file that I did not give TransUnion written consent to furnish, violating 15 USC 1681b ( a ) ( 2 ). I sent an Affidavit of Truth to TransUnion on XX/XX/2021 stating this ( attached ). TransUnion first responded stating they were unable to process my request. They responded to my last CFPB complaint stating they sent their response via mail ( attached ). It is weeks later, way past 7 days, and I have not received any letter. Regardless, TransUnion 's responses are not an acceptable responses to an Affidavit of Truth. Under the laws of Commerce, an un-rebutted Affidavit Stands as Truth. I write this 3rd complaint in hopes that the CFPB will hold TransUnion accountable for violating my rights as a federally protected consumer under 15 USC 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 2022-02-10 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my two year old daughter PLEASE HELP ME PLEASE

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 2022-02-10 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my two year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Liquidation Services Inc.
State: MN

Complaint narrative:
We received a letter in the mail from Account Liquidation Services , Inc. requesting my card information on XX/XX/2022. This letter was sent to my former address, therefore I didn't actually recieve it until XX/XX/2022. The letter stated there was a check used under my name, and was not honored by the bank, XXXX Bank. The check was written for {$41.00} used at XXXX XXXX. I've never heard of this Bank, nor XXXX XXXX therefore assumed this was a new scam. We called the Account Liquidation Services , Inc. and left a voice-mail on XX/XX/2022. We received a call back from Account Liquidation Services , Inc. today, XX/XX/2022. They confirmed they are in fact not a scam, and actually just received another check that not honored by XXXX Bank for {$100.00} at XXXX XXXX again. I have also never heard of this bank. I use a different bank, and have never written a check before. Account Liquidation Services INC. informed me that XXXX XXXX Is for XXXX XXXX The first check was used at XXXX  # XXXX. The second check was used at XXXX # XXXX. XXXX claims once they turn the check over to the bank, and the bank turns the faulty check over to collections, they are no longer able to help. Both of the XXXXs are located in Wisconsin. I work, and reside in Minnesota and have no need to go to Wisconsin and was not there the time these transactions were made. I called both banks, and they both claim to not have accounts under my name. XXXX Bank said they were probably counterfeit checks, someone forged my identity and they are not able to resolve this issue as it is a federal matter. I contacted our Attorney General office, and they referred us to this website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: NJ

Complaint narrative:
We have wired about $ XXXX and another about $ XXXX toward the principal, Mortgage lender hold these wired money for more than 10 days to deposit towards the principal. We lost interest and paid interest on the money that they hold for 10 days. 
Their practice of holding money which is wired to them are not fair and bank is making unnecessary money from consumer like us. We need you to step in and look at their practice. Please help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
In XXXX I had reached a settlement agreement with the second lien on my home, with the servicer Ditech Financial LLC in XX/XX/XXXX. At about the same time, XX/XX/XXXX Ditech filed for bankruptcy, so this may have caused the confusion, but I was unable to complete the settlement, even though it was offered in writing ( see attached ), because when I would contact Ditech, either I was told that there was no settlement in their system or that it was placed on hold. I was given the run around. Then in XXXX XXXX received a letter from Shellpoint saying that my mortgage had transferred from Ditech to Shellpoint. ( Shellpoint is the servicer for the first lien as well, on my home ). At that time, the Pandemic had just started and everything was paused. I did reach out to Shellpoint but they advised me that they could not find a second loan, not with the account number in my notice of transfer letter or my social security. The only account that they can locate is my first lien. The representative today, XX/XX/XXXX, advised me that she can not locate any second loan, and that the account number I gave her is not XXXX she has ever seen before. I spoke with XXXX XXXX at Shellpoint. I explained that the letter was from Shellpoint and noticed that the mailing address and phone number for the old & new servicer were the same ( Ditech & Shellpoint ). I also explained that I contacted XXXX XXXX XXXX & they confirmed that Shellpoint held the second mortgage on my home. Also the transfer dates are inconsistent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: OH

Complaint narrative:
I have been paying on these loans for 19 years. While working in a public high school. For many years my loans were with XXXX. They assured me I was on track for forgiveness. During this time I got divorced and filed for bankruptcy, unfortunately during my time in bankruptcy I could not access my XXXX information. You can see all of this information in prior complaints. I was careful not to make any late payments during the 5 years of bankruptcy, knowing this would make me ineligible for forgiveness. When I reached the 10 year mark, I contacted XXXX who then told me that I was on the wrong repayment plan and my loans were not consolidated. I would need to start the process over. I then learned that my loans had to be with Fed loan and so I consolidated them and got on the income contingent repayment plan. None of these things were brought to my attention during the many hours I spent on the phone about this matter. Based on the new rules enacted by the XXXX XXXX in XXXX 2021 I meet all of the requirements, yet my statement says only XXXX some payments qualify. The new guidelines should have corrected these issues. I moved my loans to Fedloan in XXXX of XXXX, consolidated them and got on the XXXXncome ContingenXXXX repayment plan. this should be equal to 34 qualifying payments just since then, I'm only getting credit for 26? I don't even understand where that number came from. It also says on my loan information that the college is XXXX. This is not accurate, I took graduate classes from XXXX XXXX  and paid for them in full my self.

Company response to consumer: Closed with explanation