vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery, 1 - 2 phone calls per day in an attempt to collect debt that is no longer on credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Company sometimes leave voicemails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25 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: SC

Complaint narrative:
XXXX XXXX Date : XX/XX/2021 Amount : {$350.00} In accordance with the Fair Credit Reporting Act 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 2022-05-25 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX Date : XX/XX/2021 Amount : {$350.00} In accordance with the Fair Credit Reporting Act 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 explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: AR

Complaint narrative:
I brought my account current with Freedom Mortgage ( po box XXXX, XXXX, CA XXXX ) on XX/XX/XXXX before filing for Bankruptcy. On XX/XX/XXXX, I realized I could no longer make online payments so I mailed XXXXXXXX XXXX mortgage payment of {$690.00} that day to Freedom Mortgage. 8 days later, they issued an Escrow assessment increasing the payment due to {$690.00}. They also stated that was the amount due for XXXX. XXXXXXXX XXXX mortgage payment was not applied and still my payments are showing past due despite making payments timely. There is also a disconnect between when they receive my payments and when they are reflected in the payment section. Also, they added {$950.00} as being due immediately for fees in connection with my filing bankruptcy without providing proper notice before adding the fees to the account. My payments have been made as follows : XX/XX/XXXX - payment mailed XX/XX/XXXX - XXXX XX/XX/XXXX - payment mailed XX/XX/XXXX and received XX/XX/XXXX - XXXX XX/XX/XXXX - payment mailed XX/XX/XXXX - XXXX XX/XX/XXXX - payment mailed XX/XX/XXXX and received XX/XX/XXXX - XXXX XX/XX/XXXX - ( just spoke with Freedom and they told me they had not received the payment ) payment mailed XX/XX/XXXX and received XX/XX/XXXX - XXXX XX/XX/XXXX - payment mailed XX/XX/XXXX - XXXX In XXXX, they informed me that I had to pay the {$5.00} difference so they could apply the payment and correct my account but it is still not corrected despite making payment. 
If I had not been in bankruptcy, I would be in foreclosure now because of their inaccurate bookkeeping. 

I am glad I checked my account online as they have raised my mortgage payment yet again with the new payment due in XXXX thankfully.

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 2022-05-25 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: United Revenue Corporation
State: TX

Complaint narrative:
THE COMPANY HAS VIOLATED MY RIGHTS AS A CONSUMER, NOT ONLY THEY HAVE FAILED TO RESPONSE TO THIS REQUEST FROM THE DATA RECEIVED ON XX/XX/22. THESE ACCOUNTS STILL APPEAR TO ALL 3 CREDIT BUREAUS THESE ARE CLEAR VIOLATIONS OF BOTH THE FDCPA THE FCRA ACC # XXXX {$350.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please see attached identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have repeatedly ignored my verified claims. They are unlawfully and illegally reporting fraudulent accounts on 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 2022-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
This company has called me repeatedly for years telling me they are ready to proceed with court against me for a loan taken from a payday loan company. I have never used a payday loan place like that. When they call, I ask for an address so I can formally request proof of debt and I am constantly told that I need to call Check and Go. When I press for a po box I am told they don't have to give me that information. I can't even get a company name from them. They have told me repeatedly they served me with legal paperwork, I've given my updated address several times but have yet to receive anything from them. 

Supposedly this loan was taken out in the early XXXX  's and sent to a bank account in my name with a bank I have never used or had an account with in a state I have never lived in nor know anyone in.. I've contacted the bank I was told about they have opened an identity theft case. 

They also use an XXXX area code number to call me but when I answer an automated voice tells me to have either my lawyer or me call an XXXX number. 

At this point, I'm waiting for something to happen so I can at least see the paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: GA

Complaint narrative:
Credit companies are not complying with their own policies in a timely manner. On XXXX XXXX2022 I contacted them via mail concerning unauthorized inquiries and inaccurate information.

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 2022-05-25 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: LEXISNEXIS
State: MI

Complaint narrative:
LEXIS NEXIS violated my rights as a consumer and shared my personal information without my consent with Consumer reporting agencies about a bankruptcy filed in 2018. Per the violation law of 15 USC 1681 ( a ) ( 4 ) and 15 USC 1681 b ( a ) ( 2 ) I have contacted them and they have received a letter of my complaint and it has been attached to this complaint as well as proof it was received by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Stewart Information Services
State: IA

Complaint narrative:
We sold and closed on a property on XX/XX/XXXX. It is now XX/XX/XXXX and we have not seen funds yet. On XX/XX/XXXX Stewart Title XXXX in XXXX, AZ, closed the sale of our property in XXXX XXXX, AZ. They were to wire the funds to our checking account at XXXX Bank. Their bank is XXXX. The wire wasnt sent until XXXX  the XXXX. The wire has been sitting at XXXX Bank since then. They say they emailed XXXX for confirmation that it was legitimate. XXXX says XXXX emailed the wrong dept. it has sat at XXXX for almost 2 weeks now. I have called them many many times. I contacted Stewart Title for help. All three entities are finger pointing, but getting nothing done. I literally have spent hours and hours on the phone trying to resolve and get my entire life savings. I am beyond frustrated. The service Ive received from these institutions is terrible. We signed our sales docs on XX/XX/XXXX and have nothing! Were not sleeping at night, Im at the end of my rope. Please help!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: NY

Complaint narrative:
I have been trying for over a year, nearly 2 to prove to all three credit bureau 's the information that XXXX continues to report is not accurate. Not only is it not accurate but according to the cares act during COVID the reports should not have even been made. Additionally, I have submitted at least 2 documents to confirm 2 or the 5 late payments reports are not true. I was given an arrangement with XXXX and they lied. I was told in XXXX that if I agreed to a payment arrangement and due to the cares act, missed payments would not be reported. It was not intentional at no time and did not happen. 

This is on going inaccuracies are affecting my life, my credit, and my family. Please someone needs to investigate and have XXXX fix it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: NY

Complaint narrative:
I have been trying for over a year, nearly 2 to prove to all three credit bureau 's the information that XXXX continues to report is not accurate. Not only is it not accurate but according to the cares act during COVID the reports should not have even been made. Additionally, I have submitted at least 2 documents to confirm 2 or the 5 late payments reports are not true. I was given an arrangement with XXXX and they lied. I was told in XXXX that if I agreed to a payment arrangement and due to the cares act, missed payments would not be reported. It was not intentional at no time and did not happen. 

This is on going inaccuracies are affecting my life, my credit, and my family. Please someone needs to investigate and have XXXX fix it immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was the victim of Transunions " free credit report '' scam. They advertise in many many places that they provide a free credit report once a year. I signed up for this and they secretly started charging my card XXXX dollars a month with no receipt of payment and no notification that I was going to be charged for this. I didnt notice the first month that they charged me, so they managed to get {$49.00} from me without my knowledge or approval. They told me I had to input my bank information for security purposes not because they were going to start secretly charging my card. I have attached many images of the false advertisement and I know that they do this to many people hoping that we will just pay and forget about it. They refused to issue me a refund and would only cancel the subscription when I called them. 

There have been many many others who have fallen victim to this false advertising and have been secretly charged a significant amount of money with no knowledge of being charged and no idea what it was they signed up for that caused them to lose this money. 

https : XXXX XXXX XXXX XXXXXXXX

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 2022-05-25 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:
XX/XX/2022 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX *Last 4 of SSN : Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Dear Consumer Financial Protection Bureau XXXX I'd like to file a complaint against XXXX XXXX XXXX XXXX I disputed a XXXX account through Equifax, XXXX and XXXX in XXXX and XXXX of XXXX, the account was not deleted from my credit profile after the dispute was completed. As part of the dispute, I requested debt validation to include a contract or contracts signed by ALL parties involved. Instead of a signed contract, XXXX sent a variety of paperwork that didn't include none of what I requested. 


Please help me to either obtain a contract signed by ALL parties involved from XXXX XXXX XXXX or demand that the company cease and desist all collection activities including credit reporting. 


Thanks in advance, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appears on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any accounts listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XXXX : {$760.00}

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 2022-05-25 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 XXXX this isn't 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 719transunion has me at a score around 590. 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 XXXX 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 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-05-25 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 XXXX this isn't 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 719XXXX has me at a score around 590. 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 XXXX i made this clear for 60 days straight with XXXX  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 XXXX 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 XXXX now XXXX homeless XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: MO

Complaint narrative:
On XX/XX/2022, I am selling a TV ( priced at {$150.00} ) on XXXX. One user ( account name : XXXX XXXX XXXX ) contacted me and offered to pay {$150.00} directly through XXXX. I got an email from a fake XXXX email ( XXXX ), saying the {$150.00} credit won't be available until that user sent another {$100.00} to me. They said they did it and asked me for a refund. Unknowing it is a fake XXXX email, I refunded the {$100.00}. But I got another email from the fake XXXX email asking for another {$100.00} because of the XXXX processing issues. So, I sent them {$100.00} again. 

I checked XXXX 's website, which explicitly said they will not refund me because I authorized the payment even if I am tricked. I immediately called my bank- Discover Bank- who also says they won't refund me because I authorized it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: GA

Complaint narrative:
Credit companies are not complying with their own policies in a timely manner. On XXXX XXXX I contacted them via mail concerning unauthorized inquiries and inaccurate information.

Company response to consumer: Closed with explanation