vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 1.This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
2. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
3. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account XXXX : XXXX Please remove it from 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 2022-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
On XX/XX/2022, I had a debt consolidation loan completed through XXXX. This was to pay off my two American Express Cards as well as some other debt. The money that was designated for one American Express card went through and was credited to my account. The money for the other card in the amount of {$12000.00} has still not shown up as of XX/XX/2022. I have been in contact with American Express and XXXX multiple times trying to get this resolved, and the money still can not be tracked down. All of the information American Express has asked for, I have supplied per the information XXXX provided to me. I was advised this would be my best route at this point to get this resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-09 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: The Outsource Group, Inc
State: VA

Complaint narrative:
The bill was not paid because the bill was not filed with the insurance company in a timely manner so they denied the claim.The insurance company sent a letter to me and them explaining i was not at fault for the non payment, however Medicredit refuses to remove as there company policy is and i quote " we do not remove any collection once we submit it ''. I have made calls at least XXXX times with the same statement repeated to me. When asked for a supervisor they never have one available and the reps say they will have them call within 24 hours. I have never gotten a call back in 24 hours so i call them back and we go thru the same cycle all over again. I have sent Medicredit the letter from the insurance company, as well as, XXXX and the medical company that submitted the claim. None of which as helped. The account shows a ZERO balance. And is no longer in collections. But they refuse to remove the collection off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
Freedom mortgage submitted a 12 month payment history to a Lender I was attempting to refinance which showed I 30 days late 5 times in the past XXXX  months. I have spoken to Freedom provided proof the XX/XX/2021 payment cleared my account and was not 30 days past due. I continue to be told it could be due to the bankruptcy.

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 2022-06-09 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
15 U.S.C 1861 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with MY WRITTEN INSTRUCTIONS ( XXXX XXXX XXXX  ) Account Number XXXX at Address ( XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX ) ( XXXX ) XXXX AFFIRM INC XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX Account Number : XXXX Account Number : XXXX Has been reported as pasted due. I do not know this company. I have never done any bussiness with this company. this company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: NE

Complaint narrative:
I'm tired of sending letter after letter to the buro without receiving a single response from them. I have been disputing several negative accounts that are affecting my credit history and they ignore me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I reached out to this company with a Notice of Validation and a Cease and Desist to verify this alleged debt. They failed to response to any of my correspondence. Therefore, the debt is unverifiable and this company is furnishing inaccurate information. I want them to remove the account from my Consumer Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
In XXXX of XXXX, I received rent payments from my roommate through PayPal. Paypal then locked down my account under suspicion of fraud. They gave me a series of task to do to verify my account & fraud activity ( asking for proof of address, ID, bank statements, & etc. ) Despite my cooperation, they still shut down my account. I was told I can not access my money until half a year, 6 month after. They have also told me that I have to wait for them to contact me on how to get my money back from PayPal. It is now XXXX and there is still no way for me to get a hold of my rent money from PayPal. They have also made it extremely difficult to navigate their website to retrieve this money & have not told me any actual reasons to shut down my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Relin, Goldstein & Crane, LLP
State: NY

Complaint narrative:
In XXXX my car repossessed and the law office of Relin, Goldstein and Crane took over the loan. I set up a payment plan of XXXX a month and I have never missed a payment as it is directly withdrawn. In XX/XX/XXXX I called to offer a settlement, they said I owed XXXX, I offered XXXX to settle. I was told that they would get back to me and I didn't hear anything from them. I still remained making payments. Then in XXXX of XXXX I called to make another settlement offer and they told me that I owed XXXX. I asked how that could be when the last time I called I owed less and it was showing my balance go down on the credit apps that I have, XXXX and XXXX XXXX  They told me that those apps don't show the correct information. But that still does not make up for the fact that my balance hasn't gone down and I've been making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX, XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-09 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX, XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: MD

Complaint narrative:
This complaint is in reference to complaint number XXXX. The company 's response : Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : PLEASE BE SPECIFIC WITH YOUR CONCERNS BY LISTING THE ACCOUNT NAMES, NUMBERS, AND THE NATURE OF THE DISPUTE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXXEQUIFAX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: GA

Complaint narrative:
On XX/XX/2022 EXPERIAN initiated a dispute in an account ( XXXX XXXX ) that is erroneously reporting on my consumer report. I, the consumer XXXX XXXX have disputed this account on multiple occasions. XX/XX/2022 XXXX, and XX/XX/2022. I have requested a copy of the investigation, in which EXPERIAN has failed to send. This account is inaccurate. It is reporting as a charge off, which is defined by the IRS as gross or ordinarily income. Income is to be excluded from the consumer report. This is a willful and negligent violation of the FCRA by reporting inaccurate info.

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 2022-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: CA

Complaint narrative:
This company came out one time for an insurance claim the insurance company requested that they submit paperwork as to what they did and the dry times on machines they claim to have here and they would never reach back out to the insurance and instead came after me for payment everyone else who participated in this claim have already been paid and the claim has been closed and all this company had to do was submit their paperwork so I called the debt company and told them that they were supposed to get me the paperwork they never have they wont return my calls they wont except my calls and now they put it on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: TX

Complaint narrative:
My wife and I closed on a 30 year fixed rate conventional mortgage on a second home on XX/XX/2022. The mortgage company the provided the loan was Primary Residentional Mortgage Inc. This part went off without a hitch. 
We received a letter from XXXX dated XX/XX/2022 that servicing of our mortgage was being transferred to XXXX  and that payments beginning XX/XX/2022, which was the due date of our first payment, would be with XXXX. We expected to receive a welcome letter from XXXX with information about making payments on our mortgage to them. We have not received any communication from XXXX as of XX/XX/2022. 
In late XXXX, not having received communication from XXXX, we attempted to contact XXXX to get instructions on making our first mortgage payment. The XXXX customer service number provided in the XX/XX/XXXX communication from XXXX was no longer in service. So we contacted XXXX customer service to ask what to do. XXXX stated that they could not accept mortgage payments because XXXX was now responsible for the loan. But XXXX did provide an updated customer service number for XXXX. We used the updated number to contact XXXX. XXXX  customer service tried looking up loan information by both my social security number and my wife 's social security number, but found no loans associated with us and told us they could not help us. 
Not wanting to become delinquent on our mortgage, we mailed a check for our payment amount to the XXXX  Payment Processing address provided in the XX/XX/XXXX letter from XXXX along with the XX/XX/XXXX payment coupon to XXXX that we received at closing. We assumed that XXXX would be able to correlate the property address on the coupon and our names to the correct account. However, as of XX/XX/XXXX, the check has not been cashed. 
We again contacted XXXX customer service on XX/XX/XXXX to discuss the check not being cashed and any updates on our loan transfer. XXXX  customer service again indicated they did not have any information on our loan and could not help us. 
I sent an email on XX/XX/XXXX to our XXXX loan officer that we worked with originally to request inputs from him on how to proceed. No response yet from our loan officer. 
We are very concerned that something has gone wrong in the loan transfer process and that when it gets sorted out we will be accused of being late on our mortgage payments, be put into default status and our credit rating affected. We are looking for any possible assistance to get this problem cleared up and to document that we have been diligent on attempting to make the payments that we owe on this mortgage. 
Thank you in advance for any assistance that can be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX 's XXXX, XXXX, XXXX, XXXX XXXX XXXX Account # xxxxxxxxxxxxxxxx XXXX, XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX, XXXX. XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXXXXXX Account # 's XXXX & XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX 's XXXX, XXXX, XXXX, XXXX  XXXX XXXX Account # XXXX XXXXXXXX, XXXX XXXX XXXX Account # XXXX XXXXXXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX  XXXX Account # 's XXXX & XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
This debt collection was previously deleted from my credit report. They re-reported without sending me the 5 day notification as required under the fair credit reporting act. This is highly illegal and this needs to be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-09 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
Applied for a bank loan and was told I had a chexsystems free on my account that I never asked for and when I call XXXX to get the freeze lifted they told me I had to fax them and jump through a hundred hoops to get something removed that I never asked for to begin with. says its been on my record since XX/XX/2020 which can not be true since I have purchased many vehicles and opened banking accounts in that time with no chexsystems freeze.

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 2022-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX, XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
address on my personal profile is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
address on my personal profile is not mine

Company response to consumer: Closed with explanation