vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-10 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: OTR Fund I, LLC
State: TX

Complaint narrative:
This was paid off in XXXX by the insurance company. I was advised updates were submitted to the bureaus. Still shows open. This needs to be closed and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: EQUIFAX, INC.
State: DC

Complaint narrative:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Bureaus, Inc.
State: KY

Complaint narrative:
The bureaus Inc has a debt on my credit report that says I owe them {$760.00} which was a debt I incurred to XXXX XXXX XXXX which I paid XXXX XXXX XXXX  for over 10 years ago. I can not contact the collections agency because they don't have a working phone number. Saying as the debt is over 7 years old and paid I want it removed completely from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
During the past XXXX months starting XXXX to now, I have reached out to these companies regarding the inaccurate information being reported on my credit profile. At this point I feel like I am receiving auto generated responses and being ignored and taken advantage of. On my credit report there is an item listed as " XXXX XXXX '' with the account number " XXXX '' on this account, the date of last activity does not match up between all three bureaus therefore I need this account to be removed immediately according to my consumer rights that state all inaccurate and incomplete items must be deleted within 60 days. On my report, all 3 bureaus are not reporting that same, accurate DATE OF LAST ACTIVITY. I know that the date of last activity date is very important and can cause this alleged debt to be re-aged and inaccurately reported again. I have reached out to XXXX XXXX and all three credit bureaus several times and this account keeps being verified as accurate. How can it be verified as accurate when this is the same account reporting but the dates are not the same? How is this possible? I continuously let the bureaus know that this information is incorrect and I am constantly being ignored. This is not fair and its causing me stress, loss of money because of interest fees, defamation of character and holding me back from moving ahead during this pandemic. I am very upset because situations like this cause me to lose thousands of dollars and continue to hurt my report and chances and moving forward. Please delete this account.

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 2021-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The payment history on the credit bureau report shows 30, 60, 90, 120, 150 days past due for XX/XX/XXXX through XX/XX/XXXX for my HELOC account. During that time, the account was on a CARES act COVID-19 Forbearance. In XX/XX/XXXX, the account was brought current by paying the entire forbearance. Under the rules of the COVID-19 forbearance, when the forbearance was repaid in XX/XX/XXXX, all of the previous months should reflect as paid on time. 

Under the CARES act, COVID-19 Forbearances must not be reported as past due as long as the account was current prior to the forbearance, which it was. A properly reported COVID-19 Forbearance must not have any negative impact to credit score. 

I have filed a dispute with XXXX, who in turn contacted my creditor. The dispute was closed with no change to the payment history on the account. The five months noted above remain showing past due on the credit report, which is incorrect. With the account brought current, they should reflect as paid on time.

As a result of this reporting error, my credit score has dropped XXXX points.

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 2021-06-10 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The payment history on the credit bureau report shows 30, 60, 90, 120, 150 days past due for XX/XX/XXXX through XX/XX/XXXX for my HELOC account. During that time, the account was on a CARES act COVID-19 Forbearance. In XX/XX/XXXX, the account was brought current by paying the entire forbearance. Under the rules of the COVID-19 forbearance, when the forbearance was repaid in XX/XX/XXXX, all of the previous months should reflect as paid on time. 

Under the CARES act, COVID-19 Forbearances must not be reported as past due as long as the account was current prior to the forbearance, which it was. A properly reported COVID-19 Forbearance must not have any negative impact to credit score. 

I have filed a dispute with XXXX, who in turn contacted my creditor. The dispute was closed with no change to the payment history on the account. The five months noted above remain showing past due on the credit report, which is incorrect. With the account brought current, they should reflect as paid on time. 

As a result of this reporting error, my credit score has dropped 100 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: NY

Complaint narrative:
The payment history on the credit bureau report shows 30, 60, 90, 120, 150 days past due for XX/XX/XXXX through XX/XX/XXXX for my HELOC account. During that time, the account was on a CARES act COVID-19 Forbearance. In XX/XX/XXXX, the account was brought current by paying the entire forbearance. Under the rules of the COVID-19 forbearance, when the forbearance was repaid in XX/XX/XXXX, all of the previous months should reflect as paid on time. 

Under the CARES act, COVID-19 Forbearances must not be reported as past due as long as the account was current prior to the forbearance, which it was. A properly reported COVID-19 Forbearance must not have any negative impact to credit score. 

I have filed a dispute with Experian, who in turn contacted my creditor. The dispute was closed with no change to the payment history on the account. The five months noted above remain showing past due on the credit report, which is incorrect. With the account brought current, they should reflect as paid on time. 

As a result of this reporting error, my credit score has dropped 100 points.

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 2021-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
Since XXXX, these items have been on my credit report and have robbed me of my financial freedom and have resulted in increased interest rates and expenses unfairly to me. For many years I have responded phone calls to provide proof of ownership, with no responses. 

Recently, from XX/XX/XXXX until XX/XX/XXXX I have written letters to these creditors and credit bureaus to remove the false information from my credit report. They have either not answered or have said that this was verified as accurate with out providing my signature, full account numbers or providing proof that these were my accounts. 

XXXX XXXX  allege I owe {$2500.00} XXXX XXXX XXXX XXXX  allege I owe {$5200.00} XXXX allege I owe {$9600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am been with Wells Fargo for 14 years I have credit car. With them. I over pay My bill. And when I ask Wells Fargo to increase my credit from XXXX to XXXX they say credit is not good enough This bank try to keep are people dont. Dont wan to work with people go get better credit. The way we have to pay super high interest

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 2021-06-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing 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 XXXX  data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: TX

Complaint narrative:
I am still showing late payments on an account that is from XX/XX/XXXX not only is this over the seven years mark it is also closed. It still continues to show late payments until XXXX as well when the vehicle was returned in XXXX. How is this right?

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 2021-06-10 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: TX

Complaint narrative:
I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy, 15 USC 1681a ( 2 ) ( B ) and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose.The company has not responded within 30 days. I would not be going through an FTC report if this was not an error. This is my last step before considering legal action. Please block and remove them immediately : XXXX XXXX : XX/XX/2021 XXXX {$18000.00} XXXX XXXX {$740.00} XXXX {$520.00} US DEPT ED {$1400.00} US DEPT ED {$6600.00} XXXX XXXX {$550.00} XXXX XXXX XXXX  {$46000.00} ( Original Creditor : ) {$110.00} ( Original Creditor : ) {$60.00}

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 2021-06-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Compass Recovery Group, LLC
State: CA

Complaint narrative:
I keep getting calls from XXXX XXXX with Compass Recovery Group. The voicemails sound like a recording. The numbers she's called from are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. In the recordings, she says to call back at XXXX XXXX XXXX XXXX. She doesn't reference what creditor or account she's calling in regards to. 

I also, got an email from XXXX ( see email attachment ) that has a link to a debt settlement but no other account information is listed to show what debt this is referring to. I don't know if this is a scam or not and I would like CFPB to do an investigation on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Credit Corp Solutions Inc.
State: TN

Complaint narrative:
I was contacted on XX/XX/2021 by the phone number XXXX. I answered the first call at XXXX XXXX, but had a bad connection and couldn't hear the person on the other end. A quick XXXX search of the number brought up XXXX XXXX XXXX Attorney at Law. 
I quickly called back the number wondering why an attorney was calling me. The return call was made at XXXX XXXX. As soon as I called a lady answered the phone without stating whom I was calling. I quickly found out it was a collection agency called Tasman Credit Corp. I asked the lady why their number was tied to Mr. XXXXXXXX XXXX office and she responded with she didn't know why but they used a local number sometimes so the individual calling them back didn't accrue long distance charges. First of all it's XX/XX/XXXX, who doesn't have free long distance? She then gave me the phone number- XXXX ext. XXXX. She said she was attempting to collect a debt. I asked her to send me a validation letter and she emailed one instead of sending it by USPS. She was a little pushy saying that we needed to resolve this before it went to litigation. I politely told her I will get in touch with them once I do some research. Why is it ok for them to spoof a local attorney 's phone number?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It has been nearly 60 days. I have sent XXXX  a request for explanation as to why my score has dropped 37 points. They are reporting " Too Many Consumer Finance Company Accounts '' this is something new that XXXX  is placed on my bureau to intentionally lower my score. I have not opened any new account and I do not have any high risk loans in my name. I don't have any Pay Day loans or anything of the sort, I have nearly paid off ALL my credit cards and my auto loans are free and clear. All my loans are either with a Credit Union or a reputable FDIC national bank and I have no department store cards therefore there is nothing that should be on my credit listed in this manner bringing down my score. I have asked XXXX  to identify said " Too Many Consumer Finance Company Accounts '' and they have failed to do so. XXXX has failed to provide me with the required information for me to dispute. I believe XXXX  is intentionally lowering my score because of my ethnicity. For XXXX  to continue to report inaccurate information its a defamation of my character and a violation of the FCRA and FACTA.

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 2021-06-10 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: TX

Complaint narrative:
I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy, 15 USC 1681a ( 2 ) ( B ) and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose.The company has not responded within 30 days. I would not be going through an FTC report if this was not an error. This is my last step before considering legal action. Please block and remove them immediately : XXXX XXXX : XX/XX/2021 XXXX {$18000.00} XXXX XXXX {$740.00} XXXX {$520.00} US DEPT ED {$1400.00} US DEPT ED {$6600.00} XXXXXXXX XXXX {$550.00} XXXX XXXX XXXX {$46000.00} ( Original Creditor : ) {$110.00} ( Original Creditor : ) {$60.00}

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 2021-06-10 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: TX

Complaint narrative:
I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy, 15 USC 1681a ( 2 ) ( B ) and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose.The company has not responded within 30 days. I would not be going through an FTC report if this was not an error. This is my last step before considering legal action. Please block and remove them immediately : XXXX XXXX : XX/XX/2021 XXXX {$18000.00} XXXX XXXX {$740.00} XXXX {$520.00} US DEPT ED {$1400.00} US DEPT ED {$6600.00} XXXX XXXX {$550.00} XXXX XXXX XXXX {$46000.00} ( Original Creditor : ) {$110.00} ( Original Creditor : ) {$60.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: ERC
State: IL

Complaint narrative:
I have no knowledge of any of the accounts in my report. I have never had an account with any creditors reporting on my report..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
BB & T refuses to close my checking and savings account. 

I have contacted the company asking them to close the account by the following methods : 1. By certified mail on XX/XX/21. 
2. By email on XX/XX/21 3. By phone on XX/XX/21, XX/XX/21 and XX/XX/21. 
4. By secure message ( through BB & T 's online portal ) on XX/XX/21, XX/XX/21, XX/XX/21 and XX/XX/21. 

Section D.8 of the Bank Services Agreement provided during application of the checking/savings account states the following : RIGHT TO CLOSE ACCOUNT. You or the Bank may close your account with or without cause at any time. 
... 
You may close your account at any time but must first notify the Bank in writing, or by contacting one of our financial centers, of your intent to close the account. Your failure to notify us may result in additional fees or charges on the account and you shall remain liable for any items in process. '' Despite being notified no fewer than 9 times, BB & T still refuses to close my account. Furthermore, BB & T opened this account with no intention of providing banking services and with the only intent of drawing initial funding from a non-BB & T checking account.

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 2021-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United We Collect, Inc.
State: FL

Complaint narrative:
I have sent multiple debt validation letters to United We Collect Inc, formerly known as United Collection Service , Inc . I sent the original debt validation letter on XX/XX/21 and sent a second validation letter on XX/XX/21. I did receive correspondence from United We Collect in the mail. This company has failed to validate this alleged debt. Instead, they sent an itemized list of charges along with a copy of a patient statement from my medical records which I know is a direct violation of Hipaa regulations. United We Collect Inc has violated my Hipaa rights. I've never signed a Hipaa form authorizing them to have access to this information. Please terminate this account and cease all collection activities or I will be forced to take legal action in response to this violation. I have attached the forms that were sent to me for your review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2021 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. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX XXXX XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation