vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-27 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: TX

Complaint narrative:
I've been attempting to dispute fraudulent accounts with the bureaus since XX/XX/XXXX when they were first brought to my attention. I mailed out the first letters, which USPS tracking showed were delivered on XX/XX/XXXX, requesting the fraud accounts to be investigated and removed if found to be fraud. I received no response, so 35 days later, I sent another letter which was delivered on XX/XX/XXXX. Another 35 days and I still received no updates and the items were still showing on my report. This was troubling. So I sent additional letters, giving the bureaus time due to COVID. The letters were delivered on XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. To date, I have received no updates, the accounts are still showing on my report and my lawyer is getting antsy to sue. This is my last option for the bureaus to remove the false accounts before I take up my lawyer 's offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX, Transunion and XXXX  have constantly abused power as far as reporting inaccurate information. Please remove these inaccurate items.. The misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus " are not operating with in the boundaries of FCRA and 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 2021-01-27 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: TN

Complaint narrative:
I sent a letter to the bureaus on XX/XX/2020 to dispute 2 accounts that are reporting inaccurately on my credit reports. When the bureaus didn't respond, I sent another dispute letter for the same 2 items on XX/XX/2020. I still haven't received anything from the bureaus and it's been a total of 7 months now! To say there is a delay is putting it lightly and this is not acceptable by any means.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: TN

Complaint narrative:
I sent a letter to the bureaus on XX/XX/2020 to dispute 2 accounts that are reporting inaccurately on my credit reports. When the bureaus didn't respond, I sent another dispute letter for the same 2 items on XX/XX/2020. I still haven't received anything from the bureaus and it's been a total of 7 months now! To say there is a delay is putting it lightly and this is not acceptable by any means.

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 2021-01-27 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: FL

Complaint narrative:
I would like to file a formal complaint against XXXX, Equifax, and XXXX  for FAILURE TO INVESTIGATE OR REINVESTIGATE multiple inaccuracies on my credit file. 

These credit bureaus are in violation of FCRA for 1. Willfully and recklessly reporting false information after being notified of the error and failing to investigate or correct the error. 

2. Failing to provide the method of verification.

3. Failing to provide all relevant info, ( sign contracts, etc. 

In XX/XX/XXXX I sent my first investigation request to XXXX, Equifax and XXXX  requesting an investigation into multiple inaccurate accounts. Some accounts were deleted, however multiple accounts remained with inaccuracies. In XX/XX/XXXX I sent verification request which allows 15 days in which neither XXXX, Equifax and XXXX never responded to my dispute request. In XX/XX/XXXX I sent a third request again asking to have the inaccurate accounts removed, my request once again has been ignored. 
THIS IS A VIOLATION OF MY RIGHTS AS A CONSUMER. XXXX, EQUIFAX AND XXXX  HAVE ALL FAILED TO CONDUCT PROPER INVESTIGATIONS AND DELETE THESE INACCURATE ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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 2021-01-27 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:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Elite Financial Services, Inc.
State: MO

Complaint narrative:
XXXX XXXX  XXXX agency has harassed me and ruin my reputation. XXXX XXXX  XXXX has also admitted to my claims. I have sent them a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/20 I sent a letter to the bureaus stating I had not received any info back on my disputes. Pursuant to 15 USC 1681i this is a violation of the law. I believe these companies have been ignoring me and they had 30 days to respond and did not. Any violation of the FCRA immediately calls for deletion and I have listed the accounts that were already inaccurate and misleading. These companies are not only in violation of the FCRA but also the FDCPA pursuant to 15 USC 1692e. Clearly, the law isn't stopping these companies from committing fraud. They also have no written permission by me pursuant to 15 USC 1681b ( 2 ) to funish anything to my consumer report. These items need to be deleted immediatly. You are in violation of 15 USC 1681i, 15 USC 1692e and 15 USC 1681b ( 2 ). I am seeking litigation.

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 2021-01-27 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: CORELOGIC INC
State: IL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, TELETRACK add a hard inquiry on my credit reports. 
On XX/XX/XXXX, XXXX XXXX/XXXX  add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-01-27 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: GA

Complaint narrative:
Equifax, XXXX and XXXX have constantly abused power as far as reporting inaccurate information. Please remove these inaccurate items.. The misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus " are not operating with in the boundaries of FCRA and FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I opened the account upon recommendation from XXXX. I used the line of credit to payoff some expenses, then paid by balance off in full in XXXX. A week later, I received an email from the company showing a balance of {$76.00}, I called and spoke with a representative who told me " on a recorded line '' they would waive the balance and close my account, per my request. I continued to receive emails regarding the balance and continued to contact them. They claim they listened to the original call and I was never told the interest would be waived. I said then confirm closure of my account as my bank account was already drafted for the charge. I was told by multiple representatives it would be closed. then I started to get emails again regarding a balance due of {$1.00}. So the cycle of emails and calls to the company began. I contacted my bank and they have blocked all further withdrawal authorizations from Upgrade. As of today, my account is still open against my request and they continue to charge interest. I want this to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The credit reporting agencies are reporting an inaccurate bankruptcy on my credit report

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 2021-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2021-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I, XXXX XXXX entered a consumer credit card transaction with XXXX and Ally financial on XX/XX/2017. Pursuant 15 USC 6802 XXXX or Ally financial never disclosed to me that I had the option to opt-out of this transaction being reported, this consumer credit transaction included a finance charge Pursuant 15 USC 1605 a finance charge is a sum of all charges in a consumer credit transaction. 
XXXX and Ally not only took a down payment but they advertised down payment in violation 15 USC 1602.

Ally also reported this transaction to a consumer reporting agency which is a violation of 15 USC 1681. This transaction arose from a credit card which is supposed to be excluded from a consumer report.

Pursuant 15 USC 1635 right to rescission Ally nor XXXX never disclosed to me that I had a right of rescission.

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 2021-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
XX/XX/XXXX Nationwide Credit , Inc. located in XXXX, DE and in other cities and states, sent me a letter earlier to XX/XX/XXXX in which I did not receive by mail, advising me that my account was placed with them for debt collection. Right now, I owe XXXX XXXX  via XXXX XXXX {$1200.00} They are offering me an opportunity to resolve this account for less than the full amount by paying {$510.00}. I must call them or log into their website by XX/XX/XXXX in order to accept this offer. NCI is not obligated to renew this offer. Both XXXX XXXX  and Nationwide Credit are scamming in order to get people to pay certain amounts for XXXX XXXX and both companies can not and should not be trusted.

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 2021-01-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
Highway  XXXX this payday loan company, now I know about the payday loan tactics and I aas a fan of cashnet for about a year I paid off the debt and reopened it once u get over a certain amount they don't tell you your payments will jump from XXXX to XXXX, almost something that us impossible to afford! But not only that they do have repayment plans where they break up your XXXX but they don't tell you the interest on this. XXXX is XXXX I was paying back XXXX but after paying for 3 months I paid almost XXXX in fees ans interest and guess what I only had XXXX dollars added to the amount I could request back. They are making millions off of us. It really should be illegal the way they collect fees and interest I don't recommend a pay day loan to anyone!! After doing this I had to take out another XXXX just to pay the XXXX thay is dues every month! Then my bank takes it anyway so I have a great score with cashnet because they receive the money either way! What they don't see is now im negative XXXX in my bank accounts with a new XXXX dollar over draft! Its a vicious cycle! They have no leniency and on top of that im drained literally after the fees its like im taking 1 step forward and 3 steps back. I cant figure out how to get out of this. The company will split uo your payment but the only thing that does is adds to the balance which prolongs the loan and enevedably makes you more in debt, or option 2 they will change the date but that adds to your loan that way! There is no communication and it a poor sad company that is draining me and I don't recommend. Im extremely stressed and extremely behind!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: DE

Complaint narrative:
We refinanced a mortgate with First National Bank of Pennsylvania ( FNB ). We closed on XX/XX/21 and were to receive a check for $ XXXX from the transaction. By the end of closing, funds still had not been provided by FNB and so we left empty-handed. We were told it would be resolved this morning. Still not resolved, still have not received the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Direct Account Management
State: WI

Complaint narrative:
I had filed a complaint on XX/XX/2021 about " Direct Account Management '' and had requested that they had no further access to my bank account information, preventing any withdrawals from my checking account. To further note, the CFPB had agreed to my requests of action to be taken. Additionally, " Direct Account Management '' sent a confirmation that I would be removed from their program, thus not having to make any payments to this institution. 

I was to be charged {$200.00} on XX/XX/2021 and every XXXX day of the month for the next 5 months. This amount of {$200.00} was charged to my Checking account on XX/XX/2021 and went through.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Mr cooper mortage company send 3 separate payments to two homeowners insurance companies, totalling close to $ XXXX.my home owners insurance annual rate is XXXX i called mr cooper weekly requesting don't send any payments out, I paid XX/XX/XXXX to fl family insurance my request was ignored, this increased my escrow payments, making my mortage XXXX more monthly, i feel it was intentional. they continue to bombard me about refinancing my loan, i pay my mortgage via the automated telephone # I'm still charged XXXX monthly fee.this fee was paid for ther past two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: NY

Complaint narrative:
I've been attempting to dispute fraudulent accounts with the bureaus since XX/XX/XXXX when they were first brought to my attention. I mailed out the first letters, which XXXX tracking showed were delivered on XX/XX/XXXX, requesting the fraud accounts to be investigated and removed if found to be fraud. I received no response, so 35 days later, I sent another letter which was delivered on XX/XX/XXXX. Another 35 days and I still received no updates and the items were still showing on my report. To date, I have received no updates, the accounts are still showing on my report. Per the FCRA, the bureaus have 30 days to finish their investigations, 60 days later and not only are the fraud accounts still reporting, they're not even under 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 2021-01-27 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: U.S. BANCORP
State: IL

Complaint narrative:
Hello, I am writing concerning an old US Bank credit card. The credit card was secured with a XXXX deposit. US Bank is currently listing the account as a Charge Off, obviously they kept the deposit for the account, so I am at a loss as to how the account can be reported as a charge off. While I understand that a charge off is an accounting term, furnishers of information are required to ensure that the reporting of consumer accounts is accurate and reflects their experience with the consumer. This account is listed in my file as a charge off, which indicates that I failed to pay the bank for the debt which is untrue.

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