vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-26 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:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: CT

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: LEXISNEXIS
State: WI

Complaint narrative:
I've contacted LexisNexis daily since my dispute was filed as we're waiting on my credit report to be updated so we can get a home loan. I made sure my public record was updated ( the satisfaction of judgement paperwork was not initially submitted to the court ) and sent a copy to LexisNexis along with the satisfaction of judgement paperwork and copy of the check I sent. We're now at day 34 and the " investigation team '' has not once replied to a request from the contact center. I'm beyond frustrated as their investigation should've taken less than 5 minutes yet they haven't even bothered to provide one update.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/2021 1st letter, and 2nd Letter on XX/XX/2021. I mailed a letter to XXXX, Experian, and XXXX and XXXX XXXX about the Bankruptcy that's reporting on my Consumer Report about the inaccurate and inconsistencies that's on my Consumer Report. I sent a Demand to Comply and that was my 2nd notice to the bureaus. Today is XX/XX/2021 so that's over 70 days. I don't understand why I haven't received any letters in reference to my Letter. This is unacceptable and against my consumer rights. Since this has been over 30 days and outside of the allowed time for a response and they never put a notice of Dispute on my Consumer Report this Bankruptcy must be removed because of 4 of the Bureaus are in Violation of my Consumer Rights. Please remove/delete this Bankruptcy from my Consumer Profile. It's time to hold these Bureaus responsible for their errors and violations to Consumer Profiles.

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 2021-04-26 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: AL

Complaint narrative:
I have been working over the past 5 years to maintain good credit. I have worked very hard to clear up old debt and not miss any payment. Recently I had XXXX XXXX report a late payment when it was an error on their part I contacted them and they fixed the error. Well today I went to check my credit with nothing changing except the correction showing 98 percent payment history to a 100 percent due the error that XXXX fixed. My score dropped 20 points!!! when I tried to enquire in the drop with Transunion it was impossible to speak to some that spoke English mush less speak with an actual human.

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 2021-04-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MARINER FINANCE, LLC
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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 disputed to have a three bankruptcies removed from my credit report. The third party verifier stated in writing that they could not verify the information and removed it from their files. The credit reporting agencies continue to state verify as accurate even after I sent them a copy of the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On XX/XX/2021 1st letter, and 2nd LetteXXXX on XX/XX/2021. I mailed a letter to XXXX XXXX, and Equifax and XXXX XXXX about the Bankruptcy that's reporting on my Consumer Report about the inaccurate and inconsistencies that's on my Consumer Report. I sent a Demand to Comply and that was my 2nd notice to the bureaus. Today is XX/XX/2021 so that's over 70 days. I don't understand why I haven't received any letters in reference to my Letter. This is unacceptable and against my consumer rights. Since this has been over 30 days and outside of the allowed time for a response and they never put a notice of Dispute on my Consumer Report this Bankruptcy must be removed because of 4 of the Bureaus are in Violation of my Consumer Rights. Please remove/delete this Bankruptcy from my Consumer Profile. It's time to hold these Bureaus responsible for their errors and violations to Consumer Profiles.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA
State: TX

Complaint narrative:
My student loans have still been reporting negative information on my reports for over 10 accounts on my credit report. This has resulted in low credit score or inability to open new accounts or get better interest rates for a while now. They have accounts on there reported that are 14 years old 11 years old 10 years old 9 years old etc. They should have fell off after 7 years or 7 years plus 180 days and they have been on there wya beyond then resulting in a risky profile and low credit scoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
dont owe this debt this scam the insurance cancelled my paid in full policy and now they weant to collect on somehting they cancelled and refunded me this is scam i dispute this debt

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I was looking for a lone and went to the XXXX XXXX XXXX site which is located in XXXX Alabama. I started filling the application but never finished it and never submitted a completed nor uncompleted application. I closed the browser out and never went back to the site. A day later I receive a alert that my credit had been ran and I had a new Hard inquiry on my credit. I never authorized anyone to do this at this XXXX XXXX I did speak to a gentleman that stated he was working from home and that he would get this fixed right away. Its been over 2 weeks and it still showing on my credit. I would like help getting this resolved.

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 2021-04-26 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: AZ

Complaint narrative:
Im submitting this complaint against XXXX Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: VA

Complaint narrative:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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 HAD FRAUD DONE TO ME AND I DID NOT DO THIS HARD INQUIRY DETAILS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I did not consent to, authorize nor benefit, from any of the following inquiries. Block and remove the following that's on my 604 letters.

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 2021-04-26 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: EQUIFAX, INC.
State: AL

Complaint narrative:
In XXXX of 2021, I filed a dispute with Equifax about the unverified many unverified collection accounts on my credit profile. These accounts were removed from the other two major credit bureaus. In these 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these unverified accounts as of today. I have uploaded the account and dispute letter. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA

Complaint narrative:
Community Loan ServicingXXXX Loan # XXXX - Call Community Loan Serving at ( XXXX ) XXXX I've been making weekly payments of {$250.00} online on their website and each time I have made the selection for " additional principal payment ''. In the payment history it states that those payments are in a suspense status. I called and spoke to a nice customer service representative and I was told that she would manually apply them to the principal on the corresponding dates. She said that I would see this in 2 business days and the status has not changed. I am concerned because I've read that some mortgage companies try not to apply these additional payments to the principal and the whole purpose of me doing this is because I'm trying to save on the interested and hopefully knock years off my loan. 
see below : Payment History XX/XX/XXXX {$250.00} XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Meade & Associates, Inc.
State: OH

Complaint narrative:
Instead of allowing me to verify debt, it was instantly added to my credit report causing damage to my current score Ive worked hard to increase. I have not received any communication from this company prior to placing this on my 3 credit reports. I would like them to allow me to verify the debt before sending derogatory information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I inquired with BB & T about forbearance on my VA backed mortgage, with the thought of keeping it as an option in case my financial situation took a downturn. I never actually accepted the forbearance, and never heard back from anybody after my initial contact. I found out my mortgage was put into forbearance without my knowledge when it was reported to the credit bureau and my score dropped XXXX points overnight, putting me in a very bad spot ( Im a XXXX Veteran and in the process of modifying my home to suit my XXXX ). Attempts to resolve the situation with BB & T have gotten me nowhere, with the only information given to me by a representative named XXXX, who informed me I needed to write them a letter XXXX but could not provide me an address to send the letter to ), and then wait 15-30 days for a response. She also told me that if it was reported to the credit bureau, it was by mistake as I have never missed a payment, but again offered me no options to remedy the situation. I was told supervisors do not take calls. In short, my mortgage is in forbearance and being reported as such, though Ive never missed a payment, and I have been given no options to remedy the situation or even to continue making payments ( I was told I cant make payments while in forbearance ). I need this resolved ASAP, as my physical well being depends on it.

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 2021-04-26 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: NY

Complaint narrative:
I did not consent to, authorize nor benefit, from any of the following inquiries. Block and remove the following that's on my 604 letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
In violation of the provisions of the CARES ACT, my student loan servicer, Navient, is requiring me to start repayment of my DIRECT Loans in XXXX and XX/XX/XXXX, instead of rolling my loans into the COVID-19 Emergency Relief Flexibilities, which were extended to at least XX/XX/XXXX. ( see below ) https : //studentaid.gov/announcements-events/coronavirus I spoke with navient today ( XX/XX/XXXX ) at XXXX. She stated it is most likely a coding issue, but was unsure. Was recommended to wait until I graduate next month to see if I am automatically put into COVID deferrment. I am concerned because I do not want navient to send late payments or errors to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
THE HARD INQUIRYS ARE NOT MINE ACCOUNTS THAT WAS IDE FRAUD I WANT THEM REMOVE FROM MY CREDIT REPORT ALSO THE XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX of 2021, I, XXXX XXXX brought in an old Certificate of Deposit to Wells Fargo Bank in XXXX, Ca. XXXX XXXX XXXX XXXX, Ca XXXX, I spoke with the bank manager, XXXX XXXX and he said it was so old they would have to open an investigation. It is from 1999. After 1 month, Wells Fargo still could not find the account. And I actually gave them a copy of the CD. Its very hard to believe Wells Fargo lost an account, but it sure is convenient for them to just say " we are sorry '' and there was nothing they could do for me. The investigation dept sent me a leter of apology stating they are not required to keep records beyond 7 years and that I should check with Unclaimed Property with the State. I checked several times with the State and there were no funds there in my Name. I will be glad to send you copies of the CD and the letter from Wells Fargo. Thank you, XXXX XXXX cell 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 2021-04-26 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: IL

Complaint narrative:
I am a victim of Identity theft my personal information was stolen and account where open by a unknown I Identity theft. most of the account where cleared up but now this account in question was sold to a collection agency. I would this account to be remove as it is the same account that was removed before. the collection agency is 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 non-monetary relief