vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-29 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: NY

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX Original creditor : XXXX Balance updated XX/XX/XXXX XXXX XXXX AUTO FINAN {$16000.00} Closed 10 charge-offs XXXX XXXX XXXX {$9000.00} Closed 26 charge-off XXXX XXXX Original creditor : XXXX {$770.00} Balance updated XX/XX/XXXX XXXX   XXXX XXXX ORIGINAL CREDITOR XXXX XXXX   {$350.00} BALANCE UPDATED XX/XX/XXXX, XXXX XXXX XXXX Original creditor : XXXX XXXX  {$350.00} The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: TX

Complaint narrative:
XXXX and Transunion should not be reporting that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

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 2020-09-29 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: NY

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX Original creditor : XXXX  Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX {$16000.00} Closed 10 charge-offs XXXX XXXX XXXX {$9000.00} Closed XXXX charge-off XXXX XXXX Original creditor : XXXX {$770.00} Balance updated XX/XX/XXXX XXXX   XXXX XXXX ORIGINAL CREDITOR XXXX XXXX   {$350.00} BALANCE UPDATED XX/XX/XXXX, XXXX XXXX XXXX Original creditor : XXXX XXXX  {$350.00} The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: NY

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX Original creditor : XXXX Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX {$16000.00} Closed 10 charge-offs XXXX XXXX XXXX {$9000.00} Closed 26 charge-off XXXX XXXX Original creditor : XXXX {$770.00} Balance updated XX/XX/XXXX XXXX   XXXX XXXX ORIGINAL CREDITOR XXXX XXXX   {$350.00} BALANCE UPDATED XX/XX/XXXX, XXXX XXXX XXXX Original creditor : XXXX XXXX {$350.00} The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: WA

Complaint narrative:
Equifax and XXXX should not be reporting that I am ( 120-149 ) days late on the US DEPT OF ED account. ( Please see page attached. ) This account was closed on XX/XX/2016 and the attached screenshot shows, and quoted : You have 0 % left to pay on this student loan. This false reporting of lates on an account with a XXXX dollar balance is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: PREFERRED CREDIT INC
State: VA

Complaint narrative:
XX/XX/XXXX I had the XXXX XXXX XXXX  come by my house and give me a demonstration and at the end of the demonstration I decided to purchase the bed and when I did they wanted to get the money right away or me sign for this credit : Preferred Credit, inc. Or pay a higher price if I didn't purchase the bed the same day, basically bullied into going with this Preferred Credit Inc. After paying for 9 months I called the Preferred Credit and decided to make an extra payment and got the payoff amount. I decided to make a payment of {$2000.00}. They told me that I have an installment plan, and that the {$2000.00} would not go to just the principle. So all the time I wasn't getting any statements to see what they were doing, I asked them to send me statements when I called in XX/XX/XXXX and I just recently got a statement for the first time that I had to call them for the third time XX/XX/XXXX it arrived XX/XX/XXXX. They told me I was not allowed to call them anymore and would be charged {$10.00} every time I talk to a agent and was referred to the website to look at my statement so I did and that's when I discovered that the payments I have been making to the principal was not equal the amount that they were showing and they took more interest off of the XXXX I paid that I believe that they should have. I don't understand this company the way the interest is calculated seems to be every month is different. I want to get out of this contract and pay this off immediately but they do not want to discuss anything over the phone and they're saying that I owe more money then obviously I paid so they seem to be treating me unfairly and paying more interest than nessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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 — Other problem getting your report or credit score
Company: Credit Service Company, INC
State: CO

Complaint narrative:
I received paper to go to court on this matter XX/XX/2019 at XXXX XXXX  in XXXX, Co No one from the Credit Services ever showed up and I was there till XXXX XXXX. 
Then in XXXX I got some papers ordering a judgement from Credit Services. I called them and Credit Services and I made arrangements to pay the Credit Service. We settled on {$2200.00} I told them I wanted a copy of the payment and everything that got paid. I never received anything from them. On XX/XX/XXXX Credit Services took money out of my account and my XXXX XXXX XXXX account. {$390.00}, without me knowing anything. Credit Services keeps calling me and saying I still owe them money. They never sent anything to the Crdit Reporting agency to up my Credit Score, I keep telling the to Send my copy 's of my account and they never have. I am a XXXX  mother of a XXXX XXXX XXXX and I was trying to work with the Credit Services to pay the XXXX bills and it seams like they just keep wanting more money. I have had to take time off work for court hearing and always worrying if the Credit Service is going to take more money out of my account. I closed my XXXX  account because of all this mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX I spoke with XXXX XXXX about refinance and decided on XX/XX/XXXX not to proceed with refinance with them as I received a better rate. Contacted Mr. XXXX on that date and asked that he forward my loan to XXXX XXXX XXXX. After speaking with my Mortgage lender I was informed that Mr. Cooper did not forward this information. Contacted Mr Cooper and was informed that I submit it in writing to the underwriting department and was given the email address and was informed that it would take 3-5 business days to be released to my new lender., I submitted the letter dated XX/XX/XXXX to the email provided. On XX/XX/XXXX I was informed that this did not occur, I contacted them again and spoke with XXXX in Customer Service and he stated that he would email his supervisor about the issue and the supervisor would be contacting me. I have received no response, this has been going on for over 60 days. I would like my FHA loan transferred or a person to call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates is trying to collect on a debt. However, they never sent me information to challenge the debt when they bought the debt allegedly from XXXX XXXX. I have sent multiple requests for validation on the debt and they have not responded with proper documentation that they have a right to collect on the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-29 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: WA

Complaint narrative:
XXXX and Transunion should not be reporting that I am ( 120-149 ) days late on the US DEPT OF ED account. ( Please see page  attached. ) This account was closed on XX/XX/2016 and the attached screenshot shows, and quoted : You have 0 % left to pay on this student loan. This false reporting of lates on an account with a XXXX dollar balance is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.

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 2020-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AR

Complaint narrative:
I have a loan through 5/3 Bank on a XXXX XXXX XXXX. This vehicle was stolen from my place of employment on XX/XX/XXXX at approximately XXXX. Security cameras at my job verified the theft and the XXXX XXXX Police Department have deemed this a total loss due to inability to locate said vehicle. I spoke with 5/3 Bank on several occasions at the beginning of this process to make them aware that the vehicle was stolen, I was initially told by a 5/3 representative that they would defer/halt the loan and payment due XX/XX/XXXX if the vehicle had not been recovered. I have spoken with them numerous times trying to keep them updated on insurance and the claims process. On XX/XX/XXXX I made contact again with 5/3 Bank, explaining insurance had deemed this a total loss and asked them to defer the payment due XX/XX/XXXX to the back of the loan, in order to allow insurance to finish processing the claim and provide further information. After speaking with 4 representatives I was told they would not assist me and they could not defer my payment because the excuse of a stolen vehicle was not sufficient. The same day XX/XX/XXXX, our insurance adjuster XXXX XXXX with XXXX XXXX XXXX sent 5/3 Bank 's total loss department an email confirming the total loss and pending paperwork. Today, XX/XX/XXXX 5/3 Bank has begun harassing me by calling several times an hour to receive said payment. 5/3 Bank confirmed they received the email from our insurance and still have refused to assist us, claiming our stolen vehicle is not a valid enough hardship to defer a payment. They have not only harassed me via telephone, 5/3 Bank has also told me I know owe them 3x the monthly payment of {$590.00}. This has been a very challenging time for my family as I have struggled to make it back and forth to work without a vehicle while waiting for this process to be resolved. I have made every effort to communicate, provide information and paperwork to this bank. The result has been being treated like a second class citizen to a bank that I have NEVER missed a payment with, being spoken to in a condescending and insulting manner by 5/3 Banks total loss and hardships department, and finally now being harassed. I communicated appropriately about this situation from the beginning and feel this bank needs to be penalized for their unprofessional behavior, like they have penalized me, my family, and my credit, during this hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: TX

Complaint narrative:
This company Equifax is the worst company i ever had to deal with in my life. They are rude and don't know what they are doing for over 2 months now I have been calling them and so has my wife just to get the same answer " WE DON'T HAVE A SCORE FOR YOU SORRY ''. I let them know what could i do to get a score they told me to mail out and fax and email paperwork to there company. So i did i mailed out on XX/XX/2020 to XXXX XXXX XXXX XXXX, XXXX XXXX, I sent them a bill, a w-2, copy i.d, copy of social, and cover sheet. They told me to call the following week and they should received. i called back monday because i thought fax would be easier so i faxed to this # XXXX i enlarged all copies and sent them through office max as well have the receipt. i HAVE FAXED INFORMATION MORE THAN ONCE. I stated this going on 2 month now and now going closer to my closing date and still no help from them have made my life difficult and stressful and my mortgage company told me they will be delaying my closing date if we cant get all 3 scores released. mind you the other 2 credit bereu are able to pull my score equifax can not. On XX/XX/2020 a manger was able to email me a XXXX to update my information and she let me know she received everything and we are good to go and we should be able to relese my score well on XX/XX/2020 @ XXXX XXXX I called again and let them know i wanted to see if we can pull credit and the gentlemen could not help me so my wife got permission to talk to a manger and she let me know that the supervisor in charge this morning hung up on her and did not want to help my wife. so ic alled again around XXXX to get the whole run around that they don't have ANY PAPERWORK! after the manger on friday said she received it i also have the email that she sent me. this company will leave us homeless if they don't relese my score I am in the military and never have i been treated so unprofessionally

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: WA

Complaint narrative:
Equifax ; XXXX and XXXX are failing to report that the following account is in fact In Dispute. XXXX XXXX   XXXX  partial account number XXXX. XXXX and XXXX are failing to report XXXX partial account number XXXX is in fact In Dispute. XXXX is failing to report XXXX partial account number XXXX is in fact In Dispute. ( I have attached pages from my credit report for reference on the accounts listed above. ) I have also sent multiple requests to the bureaus to investigate these accounts and the bureaus continue to report these accounts as account not disputed. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are In dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Revenue Assistance Corporation dba Revenue Group
State: OH

Complaint narrative:
Revenue Group Account : XXXX ; XXXX I not aware of this debt and did receive any mail with the opportunity to dispute as these not my accounts. Please provide the following : Method of verification Validation of Debt Assignment of Debt These accounts should not be place in dispute until any type of investigation. This accounts need to be removed as your in violation of Hippa rights as well and I will file suit.

Please remove ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The companies are continuing to report inaccurate items on my credit repair company after I warned them once I sent my second warning off letting them know to stop illegally reporting the items im attaching my letters I sent to them containing all the information neccessary

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