vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-05 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
The monthly payment, terms, credit limit, past due, and date of last payment are missing in this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 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: FL

Complaint narrative:
Someone has turned my life upside down by stealing my identity there are fraudulent names, addresses, accounts, and worst of all an astronomical amount of inquiries I have requested that the credit bureau 's remove these fraudulent inquiries back on XX/XX/2021 and as of today they continue to report on my credit report. Fixing these issues with my credit feels like a part time job and I already have XXXX jobs and I am a single mother of XXXX. I need the credit bureau 's to take this matter as seriously as I am. Please see the attached identity theft affidavit I have been in contact with XXXXPD in regards to the theft they are just waiting on me to bring some supporting documentation from the creditors so my report is not vague and lead to an actual investigation.

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 2021-09-05 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: FL

Complaint narrative:
Someone has turned my life upside down by stealing my identity there are fraudulent names, addresses, accounts, and worst of all an astronomical amount of inquiries I have requested that the credit bureau 's remove these fraudulent inquiries back on XX/XX/2021 and as of today they continue to report on my credit report. Fixing these issues with my credit feels like a part time job and I already have two jobs and I am a single mother of XXXX. I need the credit bureau 's to take this matter as seriously as I am. Please see the attached identity theft affidavit I have been in contact with XXXXPD in regards to the theft they are just waiting on me to bring some supporting documentation from the creditors so my report is not vague and lead to an actual investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I submitted a dispute to Experian due to the inaccurate information that was being reported on my credit. I mailed my first dispute on XX/XX/2021 and certified mail receipts confirmed that it was received by Experian on XX/XX/2021. I never received a response for this dispute. I sent a follow-up letter to Experian on XX/XX/2021 and it was received by Experian XX/XX/2021.

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 2021-09-05 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The monthly payment, terms, credit limit, past due, and date of last payment are missing in this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 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: MS SERVICES LLC
State: CA

Complaint narrative:
The monthly payment, terms, credit limit, past due, and date of last payment are missing in this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 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: MN

Complaint narrative:
Hey on XX/XX/2021 I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 47 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30-45 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 47 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache and stress you have given me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 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: USCB, Inc.
State: CA

Complaint narrative:
The monthly payment, terms, credit limit, past due, and date of last payment are missing in this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
I received a collection notice from XXXX XXXX on XX/XX/XXXX, I've contacted them multiple times and explained to them this is not my account. I've contacted the Credit Bureaus as well and they continue to report this fraudulent collection on my XXXX  and XXXX XXXX Credit Reports.

I've been dealing with Identity Theft matters since XXXX and on XX/XX/XXXX I received multiple voicemail messages and emails, my bank accounts, credit card accounts and personal email accounts were compromised without my knowledge and/or consent. I called my bank ; I called all my credit card accounts and auto loan account. A person pretending to be me attempted to access all my accounts, they scheduled approximately {$250000.00} in payments from my checking account. They applied for multiple lines of credit and attempted to make additional purchases with my accounts. They changed my login and contact information for my credit card accounts, bank accounts and my email accounts. They also created fake email accounts in my name. Im confident that I know who did this to me, because this has happened before, and it was my mother and my brother. My moms name is XXXX XXXX XXXX and my brothers name is XXXX XXXX XXXX. My mother and brother have all my personal information and I believe they are trying to destroy my life. 

I had fraud alerts on my credit profile, but they were still able to access my credit profile. Ive had an on-going battle with the credit bureaus and creditors trying to clear my name from this fraudulent activity. I continue to write to the credit bureaus and Creditors Bureaus USA Collection Company ; however, I continuously receive responses from the credit bureaus and creditors that this account is verify as accurate and correct. This has got to stop ; the credit bureaus and creditors need to immediately clear my name from this fraudulent activity. I will continue to fight and clear my name and I will utilize every legal resource to clear my name from this continued fraudulent activity. I will be filing additional complaints with the Consumer Financial Protection Bureau and the Federal Trade Commission. I will also take legal action against the credit bureaus and creditors if they do not clear my name from this fraudulent activity.

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 2021-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
I have never opened a checking account with JP Morgan Chase Bank. I recently received statements that I have owed {$34.00} ( XX/XX/2021 ) and {$46.00} ( XX/XX/2021 ) on the account. My wife and I did have our mortgage purchased by Chase years ago, but we never authorized an account being opened. In researching online, Chase has many other consumer complaints about opening accounts without user knowledge. 

I have contacted Chase Bank via ( XXXX ) and ( XXXX ) and am unable to actually talk to a person. In the phone tree it asks for a bank account number, which was on the statement, and PIN, which I don't have. In looking online, there seems to be no way to actually get around this setup. I tried 5 times this afternoon without success. I also tried the service XXXX to see if there would be a response. The service was unable to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 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: Nelnet, Inc.
State: CA

Complaint narrative:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 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: DISCOVER BANK
State: CA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 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: OneMain Finance Corporation
State: CA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
I was approved for a VA Loan modification per COVID-19 Home Retention Waterfall and COVID-19 Refund Modification.

The VA assisted me with securing a loan modification after a year long battle during the COVID-19 forebearance process. Mr. Cooper failed to acknowledge the receipt of the required forbearance information, even though I submitted it to them ( timely ) on three to four separate occasions.

My loan modification was approved and I closed with Mr Cooper 's assigned mobile notary closer in May. The first payment was set for XX/XX/XXXX. Mr. Cooper 's closer submitted the signed documents. In XXXX, Mr. Cooper called demanding {$800.00} for a trial period ( not required per VA ). When I informed Mr. Cooper that I had an approved loan modification in place, I was told there was no record although a previous representative had informed me otherwise. 

I received a second set of loan modification documents with a new payment start date. I arranged a second mobile closing with the same Mr. Cooper notary for XX/XX/XXXX. The documents were signed and returned to Mr. Cooper via XXXX. The first mortgage payment date was XX/XX/XXXX. We paid our mortgage as agreed on XXXX and again on XXXX. However, Mr. Cooper has not posted payment after cashing the check. Mr. Cooper continues to send me notices demanding over {$15000.00} in default payments. I have come home twice in XXXX to find demand notices taped to my front door ( publicly embarrassing ). 

I am receiving calls from Mr. Cooper several times a week demanding {$800.00} for a trial period. Mr. Cooper representatives claim that no record of the loan modification is showing. Some representatives seek {$800.00} and others erroneously demand {$15000.00} or they are going to default my mortgage and report to the credit bureaus. 

I believe Mr. Cooper is aggressively moving forward with a discriminatory foreclosure process. I have been devastated by this ordeal. Due to COVID-19 we needed a forbearance for just a couple of months. But due to Mr. Cooper 's questionable tactics and potentially discriminatory practices, this process has taken more than a year. I am an XXXX XXXX veteran dealing with a VA mortgage loan modification nightmare during the COVID-19 emergency period. Please protect this consumer 's rights. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
on XX/XX/XXXX, XXXX I sent letters to Credit Acceptance about a a car loan that was paid by my insurance company and Gap insurance. The car was listed as a loss on XX/XX/2018. It was being paid in a chapter XXXX payment plan until the accident. The account has be placed as a new account on my credit report with a open balance of XXXX and being reported late in collections of 120 days. The account should show closed and not open.

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 2021-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelson Cruz & Associates LLC
State: PA

Complaint narrative:
NELSON CRUZ & ASSOCIATE at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX has been sending me collection notices in the amount of $ XXXX.The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 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: TX

Complaint narrative:
To Whom it May Concern, This is my 5th time contacting you about incorrect inquiries showing up on my credit report. I previously sent you a request to investigate those inquiries, and your conclusion was to contact the creditor directly. As I stated in my previous letter to Experian, I have already contacted every I have already contacted every creditor directly and they have no proof of permissible purpose or even a record of me on file creditor directly and they have no proof of permissible purpose or even a record of me on file. 
I have heard of this happening before, where a company pulls someone's credit WITHOUT permissible purpose - and as you know, it is a violation of Section 604 of the Fair Credit Reporting Act, 15 U.S. Code 1681b, Subsection ( a ) for you to furnish my report to any entity that does not have permissible purpose. I am still waiting to see ANY evidence of verification or proof of that purpose with these inquiries ( from Experian OR the creditors ). So here they are again, these inquiries should NOT be on my credit report. I request that you REMOVE these inquiries IMMEDIATELY, or provide me proof of permissible purpose. No idea who these companies even are : { Creditor Name } : XXXX/XXXX  { Date } : XXXX { Reason : Not authorized / No Permissible Purpose } { Creditor Name } : EXPERIAN XXXX XXXX  { Date } : XXXX { Reason : Not authorized / No Permissible Purpose } { Creditor Name } : XXXX XXXX XXXX XXXX XXXX { Date } : XXXX { Reason : Not authorized / No Permissible Purpose } Once again, let me be clear that I have already contacted every company listed and most do not even have a record of me at all. I'm being very cordial and requesting that you abide by the Fair Credit Reporting Act and perform a COMPLETE investigation in regards to the above listed inquiries. 
Please provide me with the outcome of your thorough investigation within 30 days of receipt of this letter. 
Thank you, -

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 2021-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to file a complaint against [ Transunion & XXXX  ].

Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with [ Transunion & XXXX  ] to date.

I am requesting your assistance in putting an end to this matter. 


. I have never heard of this company nor have I ever done business with them XXXX/XXXX  Account Number : XXXX Prove to me that I legally have a binding associate with you because i didnt go into debt with you I defaulted with the original creditor so show me where you extended credit to me I have never heard of this company nor have I ever done business with them XXXX XXXX Account Number : XXXX Show me that you have to right to attempt to collect this alleged debt and that you are attempting to collect is it even from the right person I have never done business with this agency. 
XXXX XXXX Account Number : XXXX Send a validation of debt letter to prove I owe money them money simply stating that this is a verified account doesn't change the fact that I dont know what iti or why it is on my credit report I need to see everything you've verified this account with XXXX  XXXX XXXX  XXXX. 
Account Number : 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 2021-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
I have send a debt validation letter two times on the following dates XXXX XX/XX/2021 and each time XXXX XXXX XXXX XXXX has failed to validate my debt. Instead they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit files and cease all collection activities 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 2021-09-05 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: TX

Complaint narrative:
on XX/XX/XXXX, XXXX I sent letters to XXXX XXXX about a a car loan that was paid by my insurance company and Gap insurance. The car was listed as a loss on XX/XX/2018. It was being paid in a chapter XXXX payment plan until the accident. The account has be placed as a new account on my credit report with a open balance of XXXX and being reported late in collections of 120 days. The account should show closed and not open.

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