vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I called the company for 2 days trying to speak with someone about the debt. I was hung up on by a man. I called back and was talked to disrespectfully. called for the 3rd time and was able to get a rep to listen to me as I stated to here that that debt was made in fraudulent act by someone who compromised my identity. but being that I didn't want to give my current address or detail about myself I was told she couldn't help me. But then company is aware that the debt bought is a fraudulent debt that was not made by me. 

ability recovery services XXXX XXXX XXXX XXXX, PA XXXX XXXX original creditor. XXXX XXXX XXXXXXXX WHICH IS NOW PERMANTLEY CLOSED AS I RESEARCHED COLLECTION : XXXX, XXXX, XXXX XXXX # XXXX {$3400.00} XX/XX/2022

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 monetary relief
Consumer complaint received 2022-07-10 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:
After sending multiple OFFICE OF THE ATTY GEN - XXXX disputes XXXX ( Report # XXXX ), XXXX ( Report # XXXX ), and XXXX ( Report # XXXX ). Experian Remove and or Suppress you have not done a proper investigation and reinvestigation because you marked OFFICE OF THE ATTY GEN CERTIFIED AS ACCURATE which is impossible XXXX deleted XXXX and XXXX deleted XXXX. Why is it that XXXX and XXXX both removed this account for unverifiable information and inaccuracies but you continue marking CERTIFIED AS ACCURATE without completing an independent investigation. 

Experian please, Remove because you marked this account 180 Days late XX/XX/2022 without first being 30 days late, 60 days late, 90 days late, 120 days late, or 150 days late. 
You have had multiple times to correct or fix the issue. Remove within the next 15 days. 
Please, mail a full copy of the Dispute Results when complete! 
XXXX XXXX XXXX XXXX XXXX XXXX, TX. 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 2022-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My account with XXXX 's has been paid and closed since XX/XX/2021. I have contacted XXXX 's multiple times to correct the error which they say they have but my report still reflects derogatory. This account needs to be removed from my credit report for inaccurate reporting since XX/XX/2021, at the very least remove they should remove derogatory remarks. I have attached a copy of my account status for XXXX 's acct XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 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: TN

Complaint narrative:
My account with XXXX 's has been paid and closed since XX/XX/2021. I have contacted XXXX 's multiple times to correct the error which they say they have but my report still reflects derogatory. This account needs to be removed from my credit report for inaccurate reporting since XX/XX/2021, at the very least remove they should remove derogatory remarks. I have attached a copy of my account status for XXXX 's acct 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 2022-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Dear CFPB, I really need help to address this inaccuracies on my credit report which is tarnishing my reputation and stopping me to establish a good credit. I have sent a dsipute to credit bureaus but I was not able to receive a good response. 

DSNB MACYS 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
Consumer complaint received 2022-07-10 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: TOYOTA MOTOR CREDIT CORPORATION
State: TN

Complaint narrative:
I returned my XXXX XXXX lease in 2016 after lease was complete and my account was closed. My account status should not reflect late or deliquent. My account status should say closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 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: FL

Complaint narrative:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody 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 2022-07-10 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: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My mortgage was transferred from XXXX to Mr Cooper for service in XXXX of XXXX No communication was made to me to let me know about this. 

XXXXXXXX XXXXXXXX and Mr Cooper neglected to share with each other my contact information and made no attempts to contact me and let me know my payments would no longer be made to XXXX via auto pay. 

Mr Cooper did not have my phone number, email, or correct mailing address. They stated that none of that was provided by XXXXXXXX XXXX. Attached is my completed profile on XXXX showing all contact information needed. Mr Cooper did not make any attempts to contact me within 15 days of transfer. 

While Mr Cooper made no effort to contact me by phone, email or mail, they did take the time to report my mortgage payments as late even though I had no way to know they were now my servicing company. 

Mr Cooper reported my mortgage as past due and late over not receiving payments. I was unable to send payments as I did not know my mortgage was transferred and that auto payments sent to XXXX had been terminated by XXXX. 

Upon becoming aware of this issue, only by my credit reporting service. I looked up who made the negative report and confirmed it. Paid the account immediately to be up to date and set up automatic payments. 

XXXXXXXX XXXX  and Mr Cooper collectively failed to supply each other with my contact information then chose to damage my credit when I can not make payments to them anymore as I am not informed of the changes made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 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: NY

Complaint narrative:
In accordance with the fair credit reporting act the list of accounts below had violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681 Account # XXXX - US Dep Ed, XXXX - XXXX XXXX XXXX, XXXX US Dept Ed, XXXX - XXXX, XXXX - US Dep Ed, 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 have violated my rights. 15 U.S.C 1681 ( a ) ( 4 ) FCRA section 602 A ). states I have the right to privacy 15 U.S.C 1681b-a ( 2 ) ( section 604 A section2 ) : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes ( they may only report crimes. Not " Debts '' ) which antidates the report by more than seven years is U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is accurate.

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 2022-07-10 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: TN

Complaint narrative:
I returned my XXXX XXXX lease in 2016 after lease was complete and my account was closed. My account status should not reflect late or deliquent. My account status should say closed.

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 2022-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I returned my XXXX XXXX lease in 2016 after lease was complete and my account was closed. My account status should not reflect late or deliquent. My account status should say closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 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: FL

Complaint narrative:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody 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 2022-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: NC

Complaint narrative:
I am a victim of identity fraud and have contacted the creditor who reported an apartment rental in negative/collections to the credit bureaus and informed them that the account doesn't belong to me and is the result of identity fraud and that I will be able to furnish proof of resident history during the time period of the apt . and verify the social they used to obtain the apartment don't belong to me the only similarity was my first and last name and not my middle name the information they have is inaccurate both bureaus XXXX and XXXX have realized the inaccurate information and have removed the collection off my credit report XXXX has been the only bureau not complying.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 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: NY

Complaint narrative:
I didnt authorize anyone or sign a power of attorney or consent in anyway or form for any person to open up a student loan for XXXX $ and another student loan for XXXX $ and a XXXX XXXXXXXX credit card for XXXX $ these are all fraudently and i never had the Knowlegde or acess to any of these i want it removed off my credit report asap immediately because it does not belong to me and it is not fair i reached out to get help and nobody is tryna help me with this emergency situation

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 2022-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: MN

Complaint narrative:
On XX/XX/2022 I attempted to access my account online to check my balance. There was a message telling me that the bank needed to verify my identity and to call XXXX. I called and the man asked me several questions that would verify my identity. After about XXXX minutes of questions, he informed me that he would forward a report to the verification department and that it would take 3-5 business days to resolve. In the meantime, I then could see that I had no access to my account. I attempted to go to an atm machine, but after 3 attempts in three different bank ATM machines, I had no access. 
I returned home and called the above mentioned number, and this time spoke to a woman. I told her that this was not acceptable. I was upset, but at no time did I use any vile language, nor did I use language that was threatening. I told her that I was traveling in XXXX and that I needed access to money immediately. She suggested that I go to a branch of my bank to identify myself. I told her that I am traveling and that there is no branch of the bank here. I once again, in firm but not violent terms, told her that I could not go XXXX days without access to my money. I asked her what else she needed to identify myself. I waited for an answer, but I discovered that she had hung up on me! 
So I called back the above mentioned number, and now complained to a third person about the original problem, but also now that an agent had hung up on me. 
I want to know : 1. Is it legal for them to put a hold on my account, while they " resolve '' a problem, when I had answered all questions regarding my identity. 
2. What else could they, behind the scenes, be investigating? The very nature of their questions should indicate to them that only the person on the account could possibly answer them. 
3. What actions may I take against the bank so that this does not happen?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-10 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: Rocket Mortgage, LLC
State: CA

Complaint narrative:
My mortgage was transferred from Rocket to XXXX XXXX for service in XXXX of 2022. No communication was made to me to let me know about this. 

Rocket Mortgage and XXXX XXXX neglected to share with each other my contact information and made no attempts to contact me and let me know my payments would no longer be made to Rocket via auto pay. 

XXXX XXXX did not have my phone number, email, or correct mailing address. They stated that none of that was provided by Rocket Mortgage. Attached is my completed profile on Rocket showing all contact information needed. XXXX XXXX did not make any attempts to contact me within XXXX days of transfer. 

While XXXX XXXX made no effort to contact me by phone, email or mail, they did take the time to report my mortgage payments as late even though I had no way to know they were now my servicing company. 

XXXX XXXX reported my mortgage as past due and late over not receiving payments. I was unable to send payments as I did not know my mortgage was transferred and that auto payments sent to Rocket had been terminated by Rocket. 

Upon becoming aware of this issue, only by my credit reporting service. I looked up who made the negative report and confirmed it. Paid the account immediately to be up to date and set up automatic payments. 

Rocket Mortgage and XXXX XXXX collectively failed to supply each other with my contact information then chose to damage my credit when I can not make payments to them anymore as I am not informed of the changes made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 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:
My mortgage was transferred from XXXX to XXXX XXXX for service in XXXX of 2022. No communication was made to me to let me know about this. 

XXXX Mortgage and XXXX XXXX neglected to share with each other my contact information and made no attempts to contact me and let me know my payments would no longer be made to XXXX via auto pay. 

XXXX XXXX did not have my phone number, email, or correct mailing address. They stated that none of that was provided by XXXX Mortgage. Attached is my completed profile on XXXX showing all contact information needed. XXXX XXXX did not make any attempts to contact me within XXXX days of transfer. 

While XXXX XXXX made no effort to contact me by phone, email or mail, they did take the time to report my mortgage payments as late even though I had no way to know they were now my servicing company. 

XXXX XXXX reported my mortgage as past due and late over not receiving payments. I was unable to send payments as I did not know my mortgage was transferred and that auto payments sent to XXXX had been terminated by XXXX. 

Upon becoming aware of this issue, only by my credit reporting service. I looked up who made the negative report and confirmed it. Paid the account immediately to be up to date and set up automatic payments. 

XXXX Mortgage and XXXX XXXX collectively failed to supply each other with my contact information then chose to damage my credit when I can not make payments to them anymore as I am not informed of the changes made.

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 2022-07-10 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: FL

Complaint narrative:
I have attached XXXX FTC reports with inquiries I did not authorize

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