vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-17 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: CA

Complaint narrative:
I contacted my mortgage provider during covid 19 to indicate that I was unable to make payments as scheduled. I was approved for a Forerance in XX/XX/XXXX and was told it was good for 6 months. In XXXX of XXXX, I called again and I was told I had several options for repayment. I could repay everything I owed all at once ( ( I was unable to do this ), I could go on a repayment plan or I would lose my home, the last option was to extend the forbearance. XX/XX/XXXX I extended the forbearance and was told it was good for another 6 months. XX/XX/XXXX, I called the loan provider and was only give the option of a repayment plan so I began the process of trying to figure out what was needed. I was told I would be called with options and or it sent in writing. No one ever called so I called again and was given these terms ; XXXX down payment and monthly payment would be XXXX for 12 months as the mortgage was XXXX. I began the payment plan in XXXX of XXXX. I then realized that my loan had been reported as DELINQUENT for 120+ days. I called and asked why this happened and was told the loan would be reported as delinquent for over a year. I asked why this was never told to me and furthermore if I was on a repayment plan why would this be reported. I received NO response. On XX/XX/XXXX, I noticed that loan was closed, I called again and they indicated the loan had been sold but yet they are still reporting a loss on my credit report. I was under the understanding that the government had indicated that loans and mortgages would NOT be reported as a loss. I have been paying the loan back so not sure why this is happening. Please assist me as this will affect my score for the next 10 years. As many in the world, we have all been affected by COVID and my intentions were never to NOT pay and I have resumed paying my monthly payment of XXXX and an additional amount of {$1800.00} so I would not lose my home.

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 2021-05-17 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: Titan Receivables, Inc.
State: UT

Complaint narrative:
Titan Receivables is reporting a debt on my credit file that I do not owe. I recently looked at my credit and noticed this debt reporting. This debt is very old and is past the statute of limitations in Utah and it is also past the credit reporting limit. Reporting this account on my credit is a violation under the FCRA and the FDCPA. Yo umust remove this account from my file. I will also inform you that if you office have or continue to report invalidated information to any of the three major bureaus, this action might constitute fraud under both federal and state laws. If any negative mark is found or continues to report on any of my credit reports by Titan Receivables I will not hesitate to file for legal suite for Violation of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: PA

Complaint narrative:
I have reached out this company on several occasions asking them to validate this accounts information for it is not mines. 
I've requested this information directly and indirectly to Ginny 's. 
Dates as follows ; XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, and countless other dated to the Bureaus. 
Ginny 's INC Account number ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Upon checking my credit report after solving the address issue which was getting it added to my account.Now my date of birth and social security number is incorrect.

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 2021-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
05/14/2021_Alerted by email that a transaction was to occur from vendor : XXXX YOUR SUBSCRIPTION RENEWAL WAS SUCCESSFUL Dear XXXX XXXX XXXX Were pleased to tell you that your XXXX XXXX XXXX subscription has been automatically renewed. Your award-winning XXXX XXXX XXXX has been extended for another subscription term and no further action is required. Thank you once again for choosing XXXX XXXX. The following is a summary of your order. Please keep this email as your proof of purchase. Your credit or debit card ending in has been charged XXXX XXXX. Please note, the charge will show XXXX XXXX as the merchant for this purchase. 

XXXX_I immediately replied to the email notification that this was not " authorized by me and they should cancel ASAP!!. 

XXXX I submitted a fraud complaint and notification of an unauthorized transaction to XXXX XXXX XXXX PayPal ( transaction was submitted via PayPal XXXX of the same. Directions from both XXXX and PayPal was to contact XXXX XXXX for any compliant or issues. Note : from XX/XX/2021 through today I have attempted " unsuccessfully via PayPal, XXXX, and XXXX XXXX any success on my request to stop transaction, refund or human contact. 

The process by all parties takes you in a " circular loop making it extremely difficult to submit a request and/or claim ''. I do believe this is " intentional for the average consumer ''. I am an avid user of computers but this is difficult and stressful going between parties and not one taking responsibility. Please note : I have an ongoing relationship with PayPal whereby I will create a subscription for continued payments. I did not " authorize or was I notified by PayPal requesting approval of this such transaction. 

XXXX is a security software that I do used, and have purchased over the last 5 years via 'hard cd purchase from XXXX XXXX ''. 

XX/XX/2021 : Transaction has hit my bank account today : XXXX XXXX To : XXXX Mon, XX/XX/XXXX at XXXX XXXX Transaction Alert : XXXX XXXX XXXX XX/XX/2021 ( {$100.00} ) ACH Withdrawal, XX/XX/2021 ( {$61.00} ) ACH Withdrawal I will be placing a " fraud alert '' with my bank XXXX XXXX XXXX XXXX of this same issue today.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
hi credit agencies ; cfpb ; XXXX XXXX ; Listen, Im writing to dispute the following negative items accounts that continues to appear on my credit report and profile. These negative items I am disputing are listed accordingly below and Ive either attached screenshots or my actual credit report with highlighted inconsistencies and inaccurate information. Its impossible that these accounts can be investigated because it continues to report misleading, inconsistent, inaccurate, and unverifiable data, and therefore its not in compliance with the consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: RI

Complaint narrative:
hi credit agencies ; cfpb ; XXXX XXXX ; Listen, Im writing to dispute the following negative items accounts that continues to appear on my credit report and profile. These negative items I am disputing are listed accordingly below and Ive either attached screenshots or my actual credit report with highlighted inconsistencies and inaccurate information. Its impossible that these accounts can be investigated because it continues to report misleading, inconsistent, inaccurate, and unverifiable data, and therefore its not in compliance with the consumer laws.

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 2021-05-17 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: PR

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are several fraudulent accounts on my credit report that have been removed and were illegally placed back on

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 2021-05-17 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: Avantus, LLC
State: GA

Complaint narrative:
I just checked my credit report and it shows multiple hard inquiries that i did not authorize and i am asking for it to be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Orion Portfolio Services, LLC
State: MO

Complaint narrative:
This company contacted another company to collect a debt. 

The debt was never owed ; I contacted the " original '' creditor. They never submitted this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I attempted to obtain a recent credit report from EXPERIAN and the information provided is erroneous and misleading. I have responded to EXPERIAN about the situation ; EXPERIAN has done NOTHING to resolve the errors and misinformation.

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 2021-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Reese Law Group
State: CA

Complaint narrative:
Reese Law Group out XXXX, Ca. has been very uncooperative, in resolving my legal matter. 
I've satisfied my judgement as per our agreement with them, I've dealing with this company for over 3 years now, they been horrible in communicating with me. 
I agreed to settle the judgement, which I paid in full as per our agreement, I held my end of the deal, and they have not. 
I been waiting for a satisfaction of judgement since XX/XX/2021 I'm the middle of refinancing my property, and I'm at Reese Law Group 's mercy. 
Please help me resolve this legal matter since is jeopardizing me losing my Home loan. 
Looking forward in putting this behind me and move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: MS

Complaint narrative:
Experian is reporting the following items inaccurately. Can someone please look into this. Thank You XXXX XXXX XXXX XXXX  XXXX XXXX not mine XXXX XXXX XXXXXXXX not mine XXXX XXXX XXXX never late XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine COLLECTIONS XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine INQUIRIES XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXXXXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX unauthorized

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 2021-05-17 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: IN

Complaint narrative:
All three collections show past due 120 days, this is a violation and should be deleted for inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I do not dispute the debt. I have told all creditors multiple times that I have been out of work since late XXXX. I have exhausted all potential job possibilities and I am awaiting Social Security benefits to begin XX/XX/XXXX. Continued daily calls serve no purpose and I formally requested a cease and desist on or around XXXX of XXXX. The month of XXXX the calls started coming daily again. Monday, XX/XX/XXXX, I again formally requested a cease and desist. Once again the calls started this morning, XX/XX/XXXX. I call the creditor, Pentagon Federal Credit Union to remedy the situation. After voicing my concern to the representative, I was placed on hold. After approximately five minuets the call disconnected. 

I am exercising protection provided by the FDCPA.

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 2021-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My card was taken by a family member and was charged {$320.00} and I tried filing twice with Wells Fargo and they claimed there's not enough evidence to say it wasn't me. I tried explaining I did not give permission to use the card and they simply said because it's a family member it's my problem.

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 2021-05-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX/XXXX/Equifax are NOT RESPONDING TO DISPUTE REQUESTS!!!!! 

To Whom It May Concern : You are reporting and publishing inaccurate and incomplete information in your consumer reports allegedly concerning me. Your conduct has caused me a lot of distress and financially harmed me with out of pocket costs and loss opportunity. The following information you are reporting is inaccurate and incomplete. 


COLLECTION XXXX Account in Litigation-NOT MY ACCOUNT- DELETE IMMEDIATELY XXXX XXXX XXXX  XXXX no contract- delete immediately XXXX XXXX XXXX XXXX - NOT MY ACCOUNT- DELETE IMMEDIATELY I request that you delete the above-listed tradelines and provide me an updated copy of my consumer report. Inform anyone that you reported the deleted information to that it has been properly deleted. If you conclude that the tradelines item is verified, I request details of your method of verification. In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Therefore, I request that any future inclusion of consumer information concerning me be sent to me first for my review before you prepare and publish any information in a consumer report about me so that I can confirm the accuracy and completeness of the same. 
Your prompt attention to this important! 

XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, TX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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 have sent several letters to the reporting agency with no prevail. When i sent these letters I will attach the letters I have sent. 

After the letters was sent I have not received an response from either bureau. 

I have sent several letters for accounts to be verified and validated with the credit bureaus. 

Not only have I not received a notification stating that they accounts would be looked into for their accuracy for reporting, For the following accounts : Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX I simply asked for these accounts to be verified as mines. 

This is over the course of 4-6 months.

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 2021-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent several letters to the reporting agency with no prevail. When i sent these letters I will attach the letters I have sent. 

After the letters was sent I have not received an response from either bureau. 

I have sent several letters for accounts to be verified and validated with the credit bureaus. 

Not only have I not received a notification stating that they accounts would be looked into for their accuracy for reporting, For the following accounts : Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX I simply asked for these accounts to be verified as mines. 

This is over the course of 4-6 months.

Company response to consumer: Closed with explanation