vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-23 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: CA

Complaint narrative:
I would first like to note that this complaint is being done on behalf of myself, the consumer, and not a third party repair company. 

I have sent numerous letters and disputes regarding certain accounts to each of the credit reporting agencies stating that I did not give consent for the account to be furnished on my credit report. The companies have responded that they have verified the information without the necessary documents to prove so. In order for an account to be verified, the CRA 'S must send the method of verification along with documentation of the investigative consumer report. The agencies have violated my right to privacy pursuant to 15 U.S Code 1681a ( 4 ) which states that agencies may not furnish any information without my expressed written consent. This action accounts for identity theft by each of the credit reporting agencies. Furthermore, pursuant to 15 U.S Code 1681a ( 2 ) ( A ) ( iii ), credit reporting agencies must give me, the consumer, the option to opt of of any reported information. None of the agencies gave me the option to do so.

According to 15 U.S Code 1681a ( 2 ) ( A ) ( i ), the information reported can not only be transactions between the consumer and the companies listed on my credit report. The credit reporting agencies continue to report each of the accounts listed as verified with transactions without valued verification.

Credit reporting agencies need written instruction to furnish any credit reporting by myself, the consumer pursuant to 15 U.S Code 1681b ( a ) ( 2 ). I have never given any of the credit reporting agencies written consent or authorization for negative information to be furnished on my credit report. The agencies have committed fraud by using my identifying information without any unlawful authority to furnish information. By definition, these agencies have committed identity theft. 

According to 15 U.S Code 1681c2 ( a ), if I, the consumer provide the credit reporting agency a written statement of fraudulent activity ( along with appropriate proof of identity, a copy of the identity theft report ), the agency is required by law to block the information on my consumer report within 4 days of receipt of the identity theft report. 

On XX/XX/2021, I mailed each of the credit reporting agencies a statement of fraudulent activity, a copy of my report with the FTC, and identifying documents ( driver 's license, and social security card ). I have not included a copy of my personal information with this complaint for security purposes. I have also attached a UCC-11 to this complaint lien search to show that I do not owe the alleged debts shown on the negative accounts reporting on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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 is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Date of Birth : XX/XX/1982 Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: PA

Complaint narrative:
I mailed 7 validation letters to experian in regard to this matter. I never received a response. On XX/XX/2021 I submit a complain via CFPB in regards to the matter. Experian responded that they would investigate and they closed the CFPB complaint. They did open a investigation and responded The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. Experian did not provide any documentation of validation. This concerns me as I do not understand how they arrived at this conclusion since this information is indeed incorrect. 
This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ).

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute.

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). I would like to know the following : 1. The first and last name of the representative you spoke to regarding these accounts 2. The time and date you spoke to this entity 3. Did this representative verify my full name, social security number, current address and date of birth correctly?

4. Did they provide you with my original contract with my original signature on it? If so, why havent you sent this information to me?

Below is the item that have not been properly verified & that you continue to report illegally. 
Account XXXX : XXXX XXXX XXXX Account XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: CA

Complaint narrative:
XXXX XXXX reporting to all three bureaus that account was paid late 30 days in XX/XX/2021 however it was paid within timeframe. Company refuses to correct to credit bureaus now my credit report reflects negative

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 2021-11-23 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: CA

Complaint narrative:
XXXX XXXX reporting to all XXXX bureaus that account was paid late 30 days in XX/XX/2021 however it was paid within timeframe. Company refuses to correct to credit bureaus now my credit report reflects negative

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: CA

Complaint narrative:
XXXX XXXX reporting to alXXXX XXXX bureaus that account was paid late 30 days in XX/XX/2021 however it was paid within timeframe. Company refuses to correct to credit bureaus now my credit report reflects negative

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 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: AES/PHEAA
State: NC

Complaint narrative:
i submitted a fax request for a good will removal of late payments on XX/XX/2022. 

i submitted with my documentation that i was in the middle of an XXXX  relationship and i provided court papers to prove this. no one ever reached back from this company with results. 

this was sent to the fax number listed on their credit dispute XXXX. 

no one ever contacted me back. i am requesting these late payments be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: NY

Complaint narrative:
I received a text message without providing consent from Wakefield and associates. They advised me that they are collecting a debt from XXXX XXXX XXXX XXXX. i have no idea who this is. They told me that they are XXXX XXXX XXXX XXXX. I am requesting a full itemized bill for this supposed debt that I owe. I had/have medical insurance. When i placed a complaint for Wakefield and associates on this website, they provided a one page bill dated this month WHICH I NEVER RECEIVED, which is supposed to validate the debt? How is that even possible? An itemized bill is needed to validate this debt I supposedly owe. Who is XXXX XXXX XXXX XXXX and what is their relation to this matter. I have no idea who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: TX

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX {$1700.00} XXXX {$0.00} XXXX {$100.00} TD XXXX  XXXX {$8500.00} XXXX {$300.00} AD XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX TX ) XXXX -Balance {$2700.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: ARVEST BANK GROUP, INC.
State: CA

Complaint narrative:
I hired a company called XXXX XXXX to monitor my credit and to protect me from Identity theft. 
On XXXX, I was informed by XXXX XXXX that Arvest Central Mortgage company has reported to the Credit Bureaus that XXXX of my accounts is in major derogatory. I don't have an account in major derogatory, and all my mortgage payments are paid on time. The incorrect report from Arvest to the Credit Bureaus has lowered my credit score significantly and hurt my credit history severely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: PA

Complaint narrative:
I have been disputing inaccuracies on my XXXX report and Transunion. Regarding XXXX financial. when finding all the errors regarding the account. my dispute results say updated. I have been trying for almost XXXX years now for them to fic theses errors. i wrote them a letter regarding factual inaccuracies and inconsistencies and how they must be removed and I keep getting a letter back in a wee or so stating account was updated. This is not correct. I dont know what else to do and was told to contact you and issue a complaint. on my XXXX reports, this same account is reporting different open dates, repo dates, balances, etc. I have my disputes to prove this. This has caused issues with employment and getting credit. They must remove inaccurate reporting per the law and i have been trying to get this fixed for sometime now but they seem to do what they want. its not fair they are breaking the law.

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 2021-11-23 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: PA

Complaint narrative:
I have been disputing inaccuracies on my Experian report and XXXX. Regarding XXXX financial. when finding all the errors regarding the account. my dispute results say updated. I have been trying for almost XXXX years now for them to fic theses errors. i wrote them a letter regarding factual inaccuracies and inconsistencies and how they must be removed and I keep getting a letter back in a wee or so stating account was updated. This is not correct. I dont know what else to do and was told to contact you and issue a complaint. on my XXXX reports, this same account is reporting different open dates, repo dates, balances, etc. I have my disputes to prove this. This has caused issues with employment and getting credit. They must remove inaccurate reporting per the law and i have been trying to get this fixed for sometime now but they seem to do what they want. its not fair they are breaking the law.

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 2021-11-23 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: TX

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXXDate of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXXDate of inquiry XX/XX/2020 XXXX -Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXXDate of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
This company has continue to contact me after ceasing and desisting all communication in behalf of a debt that is not an obligatory right of this company. This company claim i owe {$400.00} I have not given written consent to this company to locate my place of dwelling, in pursuant to an alleged debt not owed directly from me the consumer. This is a violation of the FDCPA, XXXX, Congressional title XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
I paid off my credit card balance online XX/XX/XXXX and received a confirmation of the transaction. The card is with XXXX XXXX XXXX Bank. I then clicked the button to close the account. Today, the day the payment should have been removed from my account at XXXX XXXX XXXX XXXX, there is no transaction showing and when I go online to the Capital OnXXXX site it tells me my account balance is the same and I can only pay XXXX percent of the balance at a time while they will charge me interest. They have already applied an interest charge as of XX/XX/XXXX of XXXX. I called their customer service line and they tell me there is nothing they can do and I have to call back tomorrow. I asked for a supervisor to override the system and the representative said there was no one available. This is usury. There is nothing to my knowledge in the contract that says I can't pay the balance on line and close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I yave constantly been this item lvnv funding llc/Resurgent XXXX XXXX XXXX I requested that Equifax provide me with information on how they dod their investigation on this account # XXXX. They have continued to allow this company to report this negative and damaging information on my credit report. As well as random updates. I would like to see the original signed documents with my signature as well as the purchase agreement. As well as all other documents that shows my commitment to XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent dispute letters to Equifax to show me proof that I owe this debt and havea legal contract with this company. At first it was showing as a collection now it shows as a closed account that regularly updates and Equifax allows this. Also Equifax allows this company to report a false original credit limit that has a uneven number. And definitely a incorrect high balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: TN

Complaint narrative:
On XX/XX/XXXX we applied for a cash out refinance on our vacation home in TN. We applied with Amerisave. Our XXXX XXXX reflected a mortgage of {$230000.00} with a locked in interest rate of 3.125 % snd with loan origination charges of .134 % plus an application fee of {$500.00}. 
The entire process of submitting documentation has been horrendous. We would send documents and receive verification they had been successfully downloaded but then would receive a message saying they had not been received & that our loan application was in jeopardy. The loan originator whose signature was on those emails would tell us that the threatening emails had not been sent by him and were in error & to ignore them. 
Finally, we have reached the point of getting near closing. On XX/XX/XXXX, we received the Closing Disclosure. It reflected wrong terms- the loan amount and the origination charges were totally wrong and on the Change Circumstance sheet it stated that we the Borrower had requested a loan decrease and that Loan Discount had changed without any explanation. We were totally frustrated with the loan originator & processor at Amerisave we had been dealing with & requested the name of a supervisor. We were given the name of XXXX XXXX and we emailed him & made him aware of these errors. On XX/XX/XXXX, he apologized and we then received a Closing Disclosure in the correct loan amount but with loan points of .759 % instead of .134 %. The same day, we immediately contacted XXXX XXXX and he replied saying he was looking into it and that we should receive a response by the next day. When no response had been received the next day ( XX/XX/XXXX ), we emailed him again. We received an automated email reply saying he was out of the office. We sent another email on XX/XX/XXXX reminding him that we expected the corrected Closing Disclosure by the next day. Today, XX/XX/XXXX, we still have not received any corrected Closing Disclosure. XXXX XXXX called this evening around 6 pm and left a voice mail while we were eating dinner and his message was " he wanted to touch base so we can see if we can figure things out so we can get on the same page ''!! We called him back but received his voicemail. We followed up with an email saying that if we don't receive a correct Closing Disclosure by XX/XX/XXXX, we are withdrawing our application. We would like the return of our application fee of {$500.00} since Amerisave has failed to fulfill a loan according to the terms that we applied for. Most importantly, no one should go through the mistakes that have been made by Amerisave throughout this process. We have had countless mortgages through our sixty plus years and have never encountered anything like this experience.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation