vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-15 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 sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
After i sent a dispute, debt validation letter certified mail, exercising my consumer rights under FDCPA and FCRA laws. The company failed to give notice to credit reporting agencies that the debt was disputed. I told them that they couldn't report to my consumer report without giving information that i requested to validate the debt. I sent a cease and desist letter, they responded saying they have processed my cease and desist and they still posted on my consumer report after i enforced my consumer right. The company went and stole my personal property and i filed a federal laws suit against the company. Due to the litigation i need the inaccurate information to be removed from my consumer report. XXXX XXXX  DBA OF XXXX, XXXX XXXX listed on my consumer report, must be removed due to me having full evidence of notice and never giving written permission for information to be posted to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: FL

Complaint narrative:
This complaint is in reference to complaint ID # XXXX. 

Transunion did not fix the issue at hand. You closed my last complaint stating authorization was needed. My name is XXXX XXXX XXXX, DOB XX/XX/XXXX SSN # XXXX, Address XXXX XXXX XXXX XXXX FL XXXX, Telephone Number # XXXX. Thats all the verification you should need and I will attached my drivers licenses as well. 

I am filing another complaint because Transunion is advising that they verified this alleged Bankruptcy Chapter XXXX Docket # XXXX with XXXX XXXX XXXX Bankruptcy Court onXXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Ireceived a signedletter dated XX/XX/XXXX from XXXX Bankruptcy Court XXXX XXXX of Florida where I reside, advising me that they DO NOT verify or report bankruptcy filings to the credit bureaus or third party data furnisher agencies. Transunion sent me a letter dated XX/XX/XXXX, File Number # XXXX continuing to LIE andstate this allegedbankruptcy was verified by the courts, without sending me any documentation or PROOF of an actual investigation. You've asked me to provideproof well today is your lucky day!!! 

I have attached a signed letter that I received directly from The U.S Bankruptcy Court XXXX XXXX of Florida for your review. 
DELETED this unverifiable, invalid, inaccurate bankruptcy from my credit report or I will file litigation immediately! 

In addition, TheU.S Bankruptcy Court XXXX XXXX of Florida also advised me that TheFair Credit Reporting Act, 6 U.S.C. Section 605, is the law that controls credit-reporting agencies. 
After I did some additionalresearchPer the FCRA it states that the XXXX and XXXX XXXXverifying this information is not recognized as proper validation. 

Please send me an updated copy of my report once the bankruptcy is DELETED!

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 2021-11-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/2021 I checked my reports and found fraud on my profile that is being reported to all three bureaus. Under the FDCA, any accounts in question which is under investigation can not be furnished or reported until the original creditor rights, the correction and the entirely of the investigation is deemed fit by creditor. 

XXXX received ( 3 ) forms of identification from me in which they corrected a few things but recently sent an another verification saying they can't make right until I show identity again. 

Verification were sent out to all companies in which I have yet to hear back giving the 30 day deadline. Items still remain on peoples credits even under investigation or litigation.

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 2021-11-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/2021 I checked my reports and found fraud on my profile that is being reported to all three bureaus. Under the FDCA, any accounts in question which is under investigation can not be furnished or reported until the original creditor rights, the correction and the entirely of the investigation is deemed fit by creditor. 

XXXX received ( 3 ) forms of identification from me in which they corrected a few things but recently sent an another verification saying they can't make right until I show identity again. 

Verification were sent out to all companies in which I have yet to hear back giving the 30 day deadline. Items still remain on peoples credits even under investigation or litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: DE

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I pulled my credit report and discovered these accounts as collections on my credit report. I sent a written dispute requesting validation of my debt to you and all three bureaus., not validation of my address. I did not receive a response to what I have requested and then you marked this account as closed. I have included a copy of what I have sent to you and the Credit Bereaus. If you can not provide all of the information below you are by law required to delete all entries off my credit reportsASAP.

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 2021-11-15 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: TX

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below )

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 2021-11-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: NV

Complaint narrative:
They reported a debt to the credit reporting agency without contacting me. So I called the number I got off my credit report. Although they had correct address they refused to send me out any info. Or give info. So I can dispute transaction. Then although refusing to send me any notices They say all they can do is send me final bill. What good is final bill when that is what I'm disputing and the fact company says I had a contract with them when I didnt. They refuse to send anything proving how they got final bill amounts. They repeatedly state that the final bill is the only documentation they need to prove I owe that amount. But anyone can put any amount on a final bill and claim you owe them because that's what they decide you owe them even if it is an amount you never agreed to. 
And because they refuse to send out written documentation how can I dispute anything when they refuse to send me anything about debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Attempted to dispute with collection agency. Information on all XXXX Credit Reports does not match. Date opened on XXXX shows XX/XX/XXXX, while XXXX and XXXX show an opened date of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX is {$0.00}, While XXXX and XXXX is {$600.00} Credit limit on XXXX is showing {$300.00}, while XXXX and XXXX show $ XXXX last active on XXXX and XXXX show XX/XX/XXXX, XXXX shows a date of XX/XX/XXXX as Last active. How can there be a a large gap between 2 bureaus. 
Date of last payment on XXXX and XXXX show XX/XX/XXXX, While XXXX shows date of last payment as XXXX.I want this deleted from all three of my credit reports : XXXX, XXXX and XXXX immediately XXXX As it has a detrimental effect on my credit and due to the fact it is not being reported accurately, it should be 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 non-monetary relief
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
This third party agency is in violation of my consumer rights by soliciting. This agency has furnished an account for me by fraudulently. As there is no binding contract or agreement this in fact is identity theft. Pursuit 15 U.S. Code 1681a ( q ) ( 3 ) Identity theft .The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I noticed the debt company posting XXXX on XXXX credit report without any proof or reason for any balance due. Starting date XXXX have provided numerous bank statement copies of money withdrawn of monthly dues of my XXXX year contract with XXXX XXXX  and never received any statement from comcast of showing balance is due.With XXXX  services I only had basic internet services for my XXXX  to use for after school homework with a monthly balance of $ XXXX policy is you prepaid XXXXhe month advance. I been disputing with them. SOUTHWEST CREDIT SYSTEMS can not give me any proof or reason for any debt owned only replying to me that are collecting a debt.XXXX has no prier balanced owned to them.The company brings up an issue that has been resolved and in the mean time my XXXX XXXX decreases because of the neglects.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
XXXX has failed to remove this inaccurate account from my credit report. I do NOT owe Credit Acceptance any money nor was I ever late. My insurance company settled the balance, and this account was NEVER LATE.

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 2021-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Credit & Collection, Inc.
State: TX

Complaint narrative:
I had 5 items in medical collections. I called to settle a pay in full and was promised a letter would be sent to me advising the collections were taken care of 3-5 business days. I have yet to receive the letter and when I call, I am now been told that it can take 30+ days for them to issue the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: KEYCORP
State: FL

Complaint narrative:
We made two ACH transfers to a payee with KeyCorp/KeyBank accounts -- {$1900.00} authorized on XX/XX/2021 and {$1000.00} authorized on XX/XX/2021. Unfortunately, we subsequently learned the payee had provided an incorrect account number and never received the transfers. We, our bank, the ACH provider, and the payee were all assured that the funds would be returned to our account in three business days since the account number and name did not match. However, this was never done and KeyBank subsequently refused to return our funds to us. This, in our view, is fraudulent retention of our funds. 

I submitted a Certified Letter ( copy attached ) to XXXX XXXX, XXXX, Chairman, and President of KeyCorp/KeyBank outlining the problem and demanding that our funds be returned to us. Three weeks later I have yet to receive even the courtesy of a response to my letter. 

It has now been eight weeks and we have yet to receive a refund of our funds. This is nothing short of unacceptable and intolerant and a fraudulent retention of our funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/21 Wells Fargo allowed a fraudulent Checking and Savings account to be opened online, with my name and SS # and address... the Driver License # was wrong and the issue/expire dates were left blank ... no other info except an email and phone # that was not mine. 
XX/XX/21 I received paperwork welcoming me for opening accounts with Wells Fargo ( I have never had an acct with them ). Same day I go into bank to inform them of the fraud, the bank employee told me on XX/XX/21 two Pennsylvania Unemployment Checks were deposited and immediately withdrawn ( names on checks XXXX XXXX and XXXX XXXX ). Both accounts having a current XXXX balance. I had all my ID proof, DL, SS card, Passport, Birth Cert. ( they only looked at DL ) I asked that they close the accounts. They said they don't do that, it must go through fraud dept then put me on the phone with a guy in the fraud dept. He said he 'froze ' the accts, nothing will be able to go in or out. I asked that he close the accts, he said not until their research is done. 
XX/XX/21 I received a document stating the 'Complaint Resolution ' which states the accounts are STILL open. I ended up putting a credit freeze with all 3 bureaus.

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 2021-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Attempted to dispute with collection agency. Information on all 3 Credit Reports does not match. Date on XXXX is XX/XX/XXXX, XXXX ; no info and XXXX ; XX/XX/XXXX. XXXX shows placed for collection, while XXXX and XXXX don't show any info. 
Date last active on XXXX shows XX/XX/XXXX, XXXX no info and XXXX XX/XX/XXXX. How can there be a 2 year gap between 2 bureaus and no info for XXXX. I want this deleted from all three of my credit reports : XXXX, XXXX and XXXX immediately. As it has a detrimental effect on my credit and due to the fact it is not reported accurately, it should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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:
XXXX, 2021 On two occasions I have cancelled a credit card because I haven't used it for a long time, many years, and don't need it. In both instances, I received an email a couple days later telling me my credit score had dropped. I am in my XXXX 's and do not need all these cards. 

In both cases, I had never missed a payment, had not used the cards in years and the cancellation was at my request. Why should that impact my credit score? 

The most recent cancellation was with XXXX XXXX XXXX. 

Last year, I cancelled XXXX XXXX which had a high credit limit on it and I had had the card for decades and that was a big hit to my credit score. Again, no late payments, no recent usage and cancelled at my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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:
XXXX, 2021 On two occasions I have cancelled a credit card because I haven't used it for a long time, many years, and don't need it. In both instances, I received an email a couple days later telling me my credit score had dropped. I am in my XXXX 's and do not need all these cards. 

In both cases, I had never missed a payment, had not used the cards in years and the cancellation was at my request. Why should that impact my credit score? 

The most recent cancellation was with XXXX XXXX XXXX. 

Last year, I cancelled XXXX XXXX which had a high credit limit on it and I had had the card for decades and that was a big hit to my credit score. Again, no late payments, no recent usage and cancelled at my request.

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 2021-11-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
I initially had a mortgage open with AmeriHome Mrtg. At the beginning of my home purchase in XXXX. As of XXXX XXXX my account was transferred to XXXX / XXXX servicer and AmeriHome mortgage was dropped off my credit report. As of a couple months ago AmeriHome mortgage has reappeared on my credit report now making it seem as if I have two mortgages open although I have not been with them nor made a payment to them since XXXX of XXXX. I only have one single family Home and one mortgage. AmeriHome mortgage should not be reporting on my credit. I have been dealing with them all morning today XXXX XXXX and it seems theyre giving me the run around on getting in contact with their claims/ dispute department. Ive tried faxing the claim over and it was unsuccessful, I tried opening the claim online as directed yet Im unable to login although I reset my password and login credentials. Ive called all morning and am being told different directions each time. I tried emailing them directly and as they were going to give me the email The phone call got disconnected. Im just looking to get them to stop reporting to my credit report since Im no longer with them and its inaccurate and effecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
CHRYSLER CAPITAL VIOLATED MY CEASE AND DESIST LETTER 15 USC 1692C ( C ) BY SENDING ME A POST CARD HARASSING AND THREATENING ME THAT THEY WILL REPOSSESS MY PROPERTY. THEY ALSO VIOLATED 15 USC 1692 D IN RUINNI MY REPUTATION WITH PUTTING A LATE PAYMENT ON MY CREDIT AND THE THREAT OF STEALING FROM ME. 
ALSO 18 USC 8 STATE ALL MY DEBTS WERE ASSUME BY THE UNITED STATE SO HOW DO I OWE THEM A DEBT

Company response to consumer: Closed with explanation