vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-01 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: NC

Complaint narrative:
Since XX/XX/2022, Ive been trying to get the inaccuracy and incorrect information corrected on my credit report. Ive filed dispute after dispute. Reinvestigation after investigation showing them the incorrect and inaccurate items on my report. The results I get each month have been a updated report with even more inaccuracies and more incorrect items and some accounts not even looked at. It is now XX/XX/2022 and Ive sent another letter full of disputes, about the same accounts, same inaccuracies and same incorrect items. 

In accordance with the Fair Credit Reporting act These accounts continue to violate my rights even after 3 months of disputing. 
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. 

15 U.S. Code 1681i ( a ) ( 5 ) ( a ) ( I ) ( A ) .Reinvestigations of disputed information ( XXXX ) A. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate items gives a reason to immediately remove those items from my credit report, so they should be deleted promply. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. 

Ive sent all 3 credit reporting agencies another set of disputes pertaining to the same errors and incorrect information that they keep allowing to be put on my credit report. The disputes I sent have copies of my credit report, Ive circled each error, and all incorrect information. I attached the letter that I sent. I now will be going to the XX/XX/XXXX to file a complaint as well.

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 2022-06-01 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: NC

Complaint narrative:
Since XX/XX/2022, Ive been trying to get the inaccuracy and incorrect information corrected on my credit report. Ive filed dispute after dispute. Reinvestigation after investigation showing them the incorrect and inaccurate items on my report. The results I get each month have been a updated report with even more inaccuracies and more incorrect items and some accounts not even looked at. It is now XX/XX/2022 and Ive sent another letter full of disputes, about the same accounts, same inaccuracies and same incorrect items. 

In accordance with the Fair Credit Reporting act These accounts continue to violate my rights even after 3 months of disputing. 
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. 

15 U.S. Code 1681i ( a ) ( 5 ) ( a ) ( I ) ( A ) .Reinvestigations of disputed information ( 5 ) A. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate items gives a reason to immediately remove those items from my credit report, so they should be deleted promply. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. 

Ive sent all 3 credit reporting agencies another set of disputes pertaining to the same errors and incorrect information that they keep allowing to be put on my credit report. The disputes I sent have copies of my credit report, Ive circled each error, and all incorrect information. I attached the letter that I sent. I now will be going to theXX/XX/XXXX to file a complaint as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: FC HoldCo LLC
State: FL

Complaint narrative:
I have Mailed XXXX XXXX and XXXX on several occasions about this Delinquent incorrect car loan on my report all three bureaus have verified the loan but when I requested the method of verification they never send me this. They literally ignore the letter. Additionally I mailed the furnisher of the information who is XXXX XXXX XXXX and the mail was return to sender not deliverable as addressed unable to forward. However I use the address that was on the XXXX XXXX and XXXX sites. With that said this is against the FCRA as that information has to all be 100 percent accurate and it is clearly not additionally they continue to verify the account but who are they verifying the account with especially when they wont tell me or show me proof. Additionally XXXX is showing this still with the original creditor XXXX XXXX in which it can not be with both entities thus this is incorrect and needs to be removed 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 2022-06-01 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: MD

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX, XXXX reporting late payment without my permission XXXX XXXX And XXXX reporting late payment without my permission

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 2022-06-01 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: MD

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX, XXXX reporting late payment without my permission XXXX XXXX And XXXX reporting late payment without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
Sunrise credit agency has sent me documents stating that my deceased aunt owed them money, has sent letters ( that do not explain who they are collecting on behalf of ) to her last known mailing address and spoken with me as of today, after explaining who I am ( without giving any personal information ) they said they can not discuss the matter with me ( I then stated how they illegally obtained my phone number, they said it wasn't illegal and that my phone number was " just there '' ). I advised them to send documentation to her last making address with details/proof of the agency they are collecting on behalf of, getting them to confirm that by law they are required to do so. Then they hung up on me.

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 2022-06-01 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  AccountsXX/XX/XXXX XXXX XX/XX/XXXX # XXXX has violated my rights. 

XX/XX/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 2022-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lloyd & McDaniel, PLC
State: MI

Complaint narrative:
I received a demand letter from XXXX XXXX XXXX XXXX dated XX/XX/2022. I called the company on XX/XX/2022 and spoke with XXXX XXXX. I asked for a settlement amount and was advised she did not have one. I asked if I could email one and was given a generic email that does not provide responses ( XXXX ). XXXX stated the attorney assigned to this account. Was XXXX XXXX. Was advised when I called back on XX/XX/2022 to speak with the Atty XXXX XXXX regarding a potential settlement I was advised she is not in the office, she is in court all day and you can not speak with her.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent AccountsXX/XX/XXXXXXXX XX/XX/XXXX # XXXX has violated my rights. 

XX/XX/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 2022-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: AL

Complaint narrative:
I received two bills from two companies that I never did any business with. 

XX/XX/XXXX amount {$620.00} XX/XX/XXXX amount {$810.00}

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 2022-06-01 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: SC

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XX/XX/XXXX Account XX/XX/XXXX XX/XX/XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX has violated my rights. 
XXXXXX/XX/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 2022-06-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: MI

Complaint narrative:
I was XXXX  days late in making a payment on my loan therefore I owe {$520.00} I put in a one time payment for XXXX on upgrades website on XX/XX/2022 on XX/XX/2022 I received an email from upgrade telling me that they disabled my payment and the only way I can rectify this issue is by signing up for auto pay for the {$520.00} I do not have {$520.00} at this time because I am on long-term XXXX  waiting to have XXXX. Then on XX/XX/2022 I receive another email from upgrade saying that immediate action is required and i am XXXX  days late and I have to pay the {$520.00} immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Foris DAX, Inc.
State: MD

Complaint narrative:
In ( XXXX XXXX XXXX +XXXX  ), I transferred XXXX XXXX ( XXXX XXXX XXXX ) cryptocurrency from my hard wallet to my Crypto.com address/account. The token never arrived in my account on crypto.com. 
I immediately asked them to verify what happened, and I receive the answer that I didn't make any mistake and that the crypto.com team would verify and get back to me ( which never happened ). 

Today, XX/XX/2022, after more than 90 days, I decided to ask them again, but now they say they don't support that type of transaction and I lost my money. 

I won't wait for more than 90 days without an answer. 

The link below provides the transaction hash : XXXX XXXX XXXX I've uploaded a pdf with all the conversations I had in the past with them, especially where I ask if I did any mistakes, and they confirmed I didn't, where they have a dedicated team that can search and possibly retrieves the funds if necessary! 

I appreciate any help on this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Im checking my credit report and it shows my identity was stolen on the dark web please 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 explanation
Consumer complaint received 2022-06-01 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: MN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX  XXXX  # XXXX XXXX  XXXX/XXXX  # XXXX XXXX XXXX  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 explanation
Consumer complaint received 2022-06-01 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: GA

Complaint narrative:
In accordance with the Fair reporting Act XXXX  account XXXX  XXXX  # XXXX, XXXX  XXXX  # XXXX, XXXX XXXX # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX, has violated my rights. 
XXXX15 U.S.C 1681 -Procedure in case of disputed accuracy section 2 ( A ) section 5 ( A ) *15 U.S.C 1681s-2-Responsibilities of furnishers of information to consumer reporting agencies section 8 ( A ) section E *15 U.S.C 1681- Congressional findings and statement of purpose section A ( 4 ) *15 U.S.C 1681b- Permissible purpose of consumer reports section A ( 2 ) *15 U.S.C 1681 section 602 A, states I have a right to privacy.

*15 U.S.C 1681 section 604 A section 2, also states a consumer reporting agency can not furnish account without my written instructions. 
I have sent certified letters XXXX times for TransUnion, XXXX and XXXX to respond verified and updated. You can see from credit report that is incorrect and inaccurate.

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 2022-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I received a statement in the mail of a checking account from Wells Fargo Bank N.A. I did not open this account and will never do business with Wells Fargo. When I called to inquire, they said the account was already closed and would not give me any more information. Then in a bit of heated exchange on the part of the representative XXXX, she claimed this was identity theft. In IDT department takes 45 days for any follow-up. I am skeptical about identity theft because I have a monitoring service and have received no notifications from this. I have in the past received notifications about events that are much smaller than opening up a bank account from the service. 

Furthermore, Wells Fargo 's policy regarding opening up accounts online and their verification system are not good enough. In this world of digital theft, to purely banking business online with no other forms of verification ( mail notice, credit check, etc. ) is as bad as when their predatory bankers were opening up accounts on their own for sales goals. 

In addition, their transparency with issues like this is awful. The bank gives no information for the consumer to draw any conclusion to protect themselves in the future.

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 2022-06-01 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: SG and Associates
State: TX

Complaint narrative:
XXXX XXXX XXXX Case # XXXX Federal Trade Commission Case # XXXX Attached Attorney General Cases from Texas and California XXXX XXXX XXXX Account # XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 I NEVER Opened an account with XXXX XXXX XXXX XXXX on the reported date of XX/XX/XXXX. I sent my letter off on XX/XX/XXXX. I asked the credit bureaus to investigate every piece of information, on the accounts. The bureaus responded that the account was verified which is not true because the account is not mine. I never opened the account and I need this account removed. Here are the tracking number XXXX and XXXX. I sent out multiple letters trying to resolve this issue. Now I will seek legal assistance if this false report is not removed. 

According to 15 U.S.C. Sec. 1681i ( a ) my rights are being violated and if the account is not deleted I will seek Monetary damages up to {$1000.00} per violation. 


XXXX Notice : XXXX XXXX, We have added an Extended Fraud Victim Alert to your credit report as requested on your behalf by one or more of the nationwide consumer credit reporting companies. This message, which will remain on your credit file for XXXX years, alerts credit grantors that you are a victim of fraud and to verify your identity in case someone is using your information without your consent. As an additional precaution, we have removed your name and address from prescreened offer mailing lists for five years. You can request two free copies of your credit report within 12 months of your request for this alert by visiting our secure Web site, www.experian.com/extendedfraudreport or by calling XXXX XXXX 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 2022-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account # has violated my rights. XX/XX/XXXX 15 U.S.C 1681 section 602a states I have the right to privacy 15 U.S.C 1681 section 604a section 2 its also states a consumer reporting agency can not furnish an account without my written instructions. In response to cfpb case XXXX. On XX/XX/XXXX the case was close due to the response of the company CREDITORS BUREAU ASSOCIATES. The company respond that the accounts in collection were validated and put on a monthly payment plan for XXXX USD a month. The first payment having been received on XX/XX/XXXX. Attached are the documents from the original creditor validating the debts in collections. The debts is not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: KY

Complaint narrative:
Hello, Our mortgage has been held with Roundpoint Mortgage Company since XX/XX/XXXX. Our original purchase price on the home was {$120000.00}. 
We had a down payment of {$8000.00} Which made our original loan {$110000.00} We paid a lump sum towards the principal in the amount of {$3400.00} on XXXX XXXX. This should have made the balance of the loan {$100000.00}. We made a phone call the next month when the PMI wasn't taken off, and were told we would have to put a request in writing which would trigger a revaluation of our home at our expense which would exceed {$600.00}. From our understanding, the PMI should be dropped automatically and thus we were unwilling to spend this additional money ( and our home would likely come back at a higher value in the current market ). 

We then considered that their threshold might be 78 % by information we found online, and made another lump sum payment on XX/XX/XXXX in the amount of {$1600.00}. At this time the balance was {$97000.00}. Again we were told that they would not remove PMI until a new evaluation was done on our home. Since that time, we have been charged {$79.00} per month and as of XX/XX/XXXX, Roundpoint Mortgage has transferred our account to XXXX XXXX. They are no longer accepting any phone calls regarding our account.

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