vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-17 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: AZ

Complaint narrative:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account :  XXXX XXXX XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Date Opened : XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Date 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 2022-02-17 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: MI

Complaint narrative:
My name is XXXX XXXX XXXX and I am sending this complaint to address the inaccuracies on my credit report provided by Experian and As I reviewed my recent report, I have found an erroneous information reporting on my Experian Credit Report. I am not sure if you have conducted a thorough investigation for this item : XXXX XXXX XXXX : {$13000.00}

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 2022-02-17 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: TX

Complaint narrative:
I had a car loan with XXXX XXXX. XXXX of 2021 the vehicle was in an accident and paid by the insurance company as totaled. At the time of the car loan, XXXX sold me XXXX protection and stated it would cover everything insurance didn't pay. Unfortunately this was not true and {$270.00} remained owed. But the issue with this, is XXXX NEVER told me I owed it. At all. They removed the account from my online account and never called or mailed any letters about the balance owed and instead opted to report this on my credit report. I talked to several managers who admitted this should not have happened and even provided supporting documentation. However, the issue still remains on my credit account. I spoke to a manager again, and they stated even though this is incorrect, there is nothing they can do for my report and I'd have to wait XXXX  years for it to fall off.

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 2022-02-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was denied credit which is an adverse actions to my reputations pursuant to XXXX XXXX XXXX. I authorized credit XXXX bank to extend me credit with a application I filed on XX/XX/XXXX XXXX Credit one says it receive consumer reports but has not proved or given me the evidence of who they spoke with that furnished my consumer report or that company that furnished this said report had my consent pursuant XXXX ( XXXX ). Furnishing information with out consent is identity fraud pursuant XXXX XXXX XXXX. Also violated consumer by making me provide my social security number for an application pursuant to XXXX ( XXXX ) credit XXXX is is violation of consumer law and civilly liable pursuant to XXXX XXXX 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 2022-02-17 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : US DEPT ED XXXX Balance {$730.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance {$6000.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance {$8100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance {$4900.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX XXXX {$2300.00} Date Opened : XXXX US DEPT ED XXXX Balance {$5200.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance {$3900.00} Date XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ARC Management Group, LLC
State: CA

Complaint narrative:
Called me, refused to identify themselves, could not find the number that they texted to be associated with any accounts, refused to state their business. I had to search the number on the internet to learn who they were.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
My wife and i both went to university XXXX XXXX with student loans from XXXX. We were defrauded by XXXX and we are not able to pay the outrageous amount of money they want back. We both received our associates degrees and received loans in the amount {$25000.00} each for our degrees. Our payments were about {$800.00} each after we got out of school, which was about 10 years ago. We were told by XXXX we can just put our payments on hold until we could afford the payment. We now owe about {$60000.00} each on those loans. There is a lawsuit toward XXXX that we would like to be part of. We were defrauded on the loan system. Our names are XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Upon reviewing my credit report I noticed that there was an item on my credit report that was being report inaccurately ; as a result, my credit score has been damaged due to the credit agency 's reporting error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Upon reviewing my credit report I noticed that there was an item on my credit report that was being report inaccurately ; as a result, my credit score has been damaged due to the credit agency 's reporting error.

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 2022-02-17 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: Blackrock Mitigation Group LLC
State: KS

Complaint narrative:
I applied for a car loan through XXXX. They ran my credit for the same companies several times and now I have so many inquiries on my credit report. There was no reason they should have kept running it through the same company. I called and talked to XXXX about it and they said we were trying to get you qualified. So it doesn't help now because of so many inquiries. Please get these removed

Company response to consumer: Untimely response
Consumer complaint received 2022-02-17 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: MI

Complaint narrative:
I sent letter to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX Date of inquiry 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 non-monetary relief
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I was contacted by a process server on XX/XX/XXXX from the number XXXX, she told me to call XXXX. I called them at XXXX, XXXX said they were XXXX XXXX and were trying to collect a debt from Wellsfargo for {$10000.00}. He said they were setting a court date betweeen XX/XX/XXXX and XX/XX/XXXX, courtroom XXXX XXXX, and they were going to garnish my paycheck and put a lein on my house. They would also take anything I own. I explained that I didn't have the money but I would try to come up with something. He siad I could have until the end of the day. I frantically tried to get a loan, I was able to find XXXX for {$3800.00} and I called back to tell them I could have that by the end of the week. When I spoke to my XXXX he said we didn't owe anything on that loan and this was some scam. That loan was from XXXX and had been taken care of long ago. I called back on XX/XX/XXXX at about XXXX and told them that I did not owe this money and would not be paying them anything and I felt like the man that called me was horrible for threatening me like he did. The man said he had to stop talking to me and I should get a lawyer. He hung up. I called back and asked for the name and address of the company and they refused to give it to me, he said he can't talk to me. I called several more times and they said for the protection of their workers they can't give it out. They did say the name of the company is XXXX and XXXX and they are in XXXX. I explained again that I was threated by their employee, not the other way around and he said he could not speak to me anymore because I am now refusing to pay and he would have to send me to a voicemail.

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 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
My name is XXXX XXXX and I am writing this complaint in regard to Early Warning. I was denied a bank account due to the information that's listed on the Early Warning report. There are several bank accounts listed on that report that is not mine and were created in the attempt to commit fraud against me by an ex-boyfriend. I submitted early warning a FTC report indicating which accounts were and were not mine however they stated the accounts were accurate without providing me with any information to verify their claim. Early Warning nor have the banks listed on the early warning provided any documentation to verify the accounts listed on the reports are mine. I will like Early Warning to investigate my claims thoroughly instead of just taking the bank word for it. 

If Early Warning has any documentation from any banking institution verifying the accounts listed on the report are mine, I will like that verification so I can add it to my FTC and police report and continue to fight.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: AZ

Complaint narrative:
The list of information and inquiries was reporting inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that informations are constantly reporting and causes negative impact on my credit. Therefore, Experian Bureau did not take any action to remove the incorrect information and inquiries listed below : Inquiries XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX AZ 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 2022-02-17 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I sent letter to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance {$5400.00} XXXX XXXX Balance {$1300.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance {$3100.00} XXXXXXXX XXXX  XXXX XXXX XXXX Balance {$25000.00} XXXX OF XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX  XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter  PLEASE HELP ME PLEASE

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 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I tried to get a loan and received a score from the other XXXX Credit Bureaus. However I was told that Equifax had a flag on my account. I have tried to talk to a representative multiple times and have not been able to clear up this issue. I need to be told what to do to clear the flag and move forward with getting a credit score at Equifax. This issue needs to be resolved ASAP so that I can move forward with buying a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: FL

Complaint narrative:
I have been disputing an erroneous collection account initiated by XXXX XXXX XXXX and reported to all XXXX credit bureaus in XXXX of 2021 by XXXX XXXX XXXX. I have requested at least XXXX independent investigations and additionally, per Section 611 ( a ) of the FCRA, I sent a letter requesting they provide the information they used to make their determination. I never received any results-they only tell me it's been updated with no validation of the debt provided to me. I have sent certified mail on every occasion and have never received any written response as I've requested. Furthermore, I have been successful in removing the same entry from XXXX as well as XXXX. Moreover, I've been contacted by XXXX XXXX ( the original creditor ) via email indicating they too have requested the entry be removed as it was never to have been reported as such. In fact, they have even finally agreed to return monies owed to me since XX/XX/2021. I'm requesting Equifax do the correct thing and remove this entry from my credit IMMEDIATELY. The consequences of the drop in credit rating and the reporting of this erroneous debt has been devastating-causing my rating to drop some XXXX points in one agency. I take pride in maintaining a very healthy credit score and as such have always paid my bills on time-such is reflected without this entry. Again, this debt has never been validated despite my continued disputes and requests for reinvestigation. The credit reporting agencies are NOT DOING THEIR JOBS!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
The list of information and inquiries was reporting inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that informations are constantly reporting and causes negative impact on my credit. Therefore, Equifax Bureau did not take any action to remove the incorrect information and inquiries listed below : Inquiries XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXXXXXX  Date of Inquiry XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
Shellpoint Mortgage, using NewRezz LLC as a servicer, allowed mandated Flood Insurance payment under a setup escrow account to lapse during hurricane Ida. Payment was due on XX/XX/XXXX and was applied on XX/XX/XXXX making it too late to be covered by flood insurance policy. 

Lender and servicer have both ignored many emails and phone calls to ammend this issue. A letter of error under RESPA was sent on XX/XX/XXXX. Lender and servicer have yet to provide information or a number to reach a department that handles these issues.

Home was denied flood coverage due to this error. Escrow account is being mishandled by servicer and put negative without a balancing estimate and correction. 

We have attempted all avenues of resolution and are getting nowhere with this horrible situation no homeowner in a disaster zone should ever go through. We are looking for justice.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation