vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am in process of refinancing my mortgage. I had to unfreeze all 3 credit reports ( XXXX, XXXX, & Experian ). This was easily accomplished at XXXX  and XXXX but I'm finding it impossible to accomplish at Experian. 

I was directed that my request couldn't be completed and I had to send physical documents to their facility in XXXX, TX, which I did. I had to overnight them as this is time sensitive which of course costs money. 

I understand identity fraud is a big problem and appreciate them taking care to make sure it's me, but not being able to get my credit unfrozen is not acceptable. 

They received my documents yesterday ( XX/XX/2021 ) with a letter explaining what I needed done and all documents they requested included. I also asked that someone please call me directly. 

I have tried every number and form they have listed and can not talk to a human being no matter what I do. I believe they shouldn't have the power to stop me from refinancing my mortgage.

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 2021-07-29 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
so my account Ally Financial was wrongfully sold to another debt collector without my consent. now that someone has my personal information they are reporting XXXX that i dont owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: MoneyLion Inc.
State: TX

Complaint narrative:
A Moneylion account was opened under my name on XX/XX/2021 in the amount of {$1000.00}. This account was not opened by me, it has been affecting the closing of my first home. I have been trying to contact the fraud department of Moneylion multiple times and they always tell me that i will get a call back. Nothing has been done. This is a fraud account. They said that they would close this account which they never did and have been reporting late payments and this has been affecting my credit score greatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: TX

Complaint narrative:
I am not working with any third party credit repair company, I am solely the only person working on resolving issues on my credit report. On XX/XX/2021 I have sent a letter regarding inaccurate and unknown things on my credit report to this day, over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and ignored of my disputes. It has been over 30 days 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 data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
Account Name : CC COLL SVC ( Original Creditor : XXXX  XXXX  XXXX ) Account Number : XXXX Date Opened : XX/XX/2018 Balance : XXXX Reason : Identity theft Please Remove it from my Credit Report

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Checking over my Credit Report & I have noticed that there are quite a few bankruptcy accounts that should not been on my report. I have mailed TransUnion XXXX  XXXX  & other third parties like XXXX XXXX regarding reporting this inaccurate information in response they gave me the run around with little to no information to say something is validated. So I contacted the the bankruptcy court itself & here is statement showing that they do not report or share information with creditors or bureaus. So please remove these bankruptcies & the accounts attached to them now! 


Accounts included : XXXX XXXX XXXX ( 4 ) accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Public Records ( 2 ) accounts

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 2021-07-29 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Checking over my Credit Report & I have noticed that there are quite a few bankruptcy accounts that should not been on my report. I have mailed XXXX Equifax XXXX  & other third parties like XXXX XXXX  regarding reporting this inaccurate information in response they gave me the run around with little to no information to say something is validated. So I contacted the the bankruptcy court itself & here is statement showing that they do not report or share information with creditors or bureaus. So please remove these bankruptcies & the accounts attached to them now! 


Accounts included : XXXX  XXXX XXXX  ( 4 ) accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Public Records ( 2 ) accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: PA

Complaint narrative:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed 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 lists of the erroneous accounts reporting on my Credit Report : XXXX/XXXX-Date of inquiry : XX/XX/XXXX XXXX  XXXX-Date of inquiry : XX/XX/XXXX 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

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 2021-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
Since, I filed my complaint near the beginning of XX/XX/2021 today XXXX XXXX shellpoint is continuing to harass me. They know in XXXX of 2021 XXXX XXXX my bankruptcy attorney sent them a letter stating my bankruptcy had been paid off it is called a discharge letter. Shellpoint, continuing to a debt collector not a mortgage company refused to put my address in the system correctly causing me to get behind on payments now sent a inspector out to my house today to take pictures. Proving they are trying to steal my home from me. They are using illegal debt collector practices. I've contacted there attorney Monday telling him the issues he sent them a email expressing for them to fix the issue this makes 4 cfpb complaints against shellpoint in 2 years of service. Shellpoint, is a debt collector not a mortgage company listen to their recording when you call to make a payment. Violation of bankruptcy code for a debt collector to have the loan in the first place

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: NJ

Complaint narrative:
There has been unauthorized inquiries on my report and it has surpassed 90 days without a response about the complaint. I demand these accounts be deleted immediately or I will file for litigation. These items must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: I.C. System, Inc.
State: GA

Complaint narrative:
Credit reporting company and hospital ( XXXX Hospital ) is reporting medical information without my consent/authorization, in clear violation if HIPPA regulations. 

I am requesting credit reporting agency, debt collector and alleged credit to immediately remove my medical and related information immediately,

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 2021-07-29 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: UT

Complaint narrative:
I have been sending out letters to the bureaus and have not heard back. I sent several letters over the last 5 months and have received no letters or updates on my credit file. I will attach the letters on this complaint but there have been several others.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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:
I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I ALSO HAVE A 30 DAY LATE PAYMENT THAT IS NOT TRUE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I have previously made a request for validation on XX/XX/2021 and CREDIT COLLECTION SERVICES lack of response does not comply with the disclosure requirements Pursuant to 15 USC 1692g ( b ). More than enough time has passed to allow CREDIT COLLECTION SERVICES to comply. However, CREDIT COLLECTION SERVICES has chosen not to meet the legal requirements of the law. It is manifest that CREDIT COLLECTION SERVICES has absolutely no claim against me and that they have no records or evidence to support any claims against me and its clear that CREDIT COLLECTION SERVICES havent provided any evidence to establish that I owe them any money. Therefore, CREDIT COLLECTION SERVICES failure to respond is counted as an admission that they are unable to support their claim of debt against me. 

CREDIT COLLECTION SERVICES violated my right to privacy as a consumer by contacting me via letter without my written permission to contact me in reference to any alleged debt obligation. Within this letter CREDIT COLLECTION SERVICES falsely accused me ; the consumer of owing an alleged debt amount. A debt collector can not state that a consumer owes any debt obligation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: Possible Financial Inc
State: UT

Complaint narrative:
Possible Financial is reporting a debt on my credit file that needs to be removed. I took a look at my credit and noticed this debt was reporting. I do not recognize this account and I never applied for a loan with Possible Financial, I never even heard of possible financial. This account is not mine and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: GA

Complaint narrative:
Hello, I need help with a dispute that I sent on XX/XX/2021 regarding some inaccurate things on my credit report. It has been almost 45 days and I have not received a response. This makes me feel like I am being ignored by the bureaus. This has caused me a lot of stress and I am asking that these items be removed from my credit report. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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:
A XXXX account was opened under my name on XX/XX/2021 in the amount of {$1000.00}. This account was not opened by me, it has been affecting the closing of my first home. I have been trying to contact the fraud department of XXXX multiple times and they always tell me that i will get a call back. Nothing has been done. This is a fraud account. They said that they would close this account which they never did and have been reporting late payments and this has been affecting my credit score greatly.

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 2021-07-29 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: AZ

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX Account number : XXXX - Original Creditor : XXXX XXXX This account shows as charged off in XX/XX/XXXX and so it should not be reporting every single month as CO as there should be no activity or attempts to collect. 
A charge-off account should not include past due balance. 
This account is not on my XXXX  or XXXX  credit report. 
Please remove this from my Experian report expeditiously

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 2021-07-29 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 am contacting you today because I am a victim of Identity theft, my life is in a place where I never thought it would be. Recently I did not know about how to handle this fraudulent account with XXXX that someone frauded me out of for {$5000.00} with that company. The company then sold it to another company as a collection and they've been harassing me and my family, coming to my home and calling me nonstop. Now I contacted the original creditor and they fraudulently sold the debt without telling me or contacting me to let them know that the account was fraudulent or going to be sold. Now as a consumer with your company im suppose to be protected from all fraud that takes place. I am not asking, you must abide by the law and this account has to come off. According to the FCRA all fraudulent accounts must be removed within 4 days or you are in violation of the law. Ive read up on multiple sites that you guys try to go around the rule and verify that the debt is inaccurate, but all my information was stolen so ofcourse they will try to verify because they think its me. This is not my debt but I am suffering for it do not let XXXX XXXX lie to you and say that its me. Do not let the criminals get away with putting this debt on my name. I want justice for me and my family. Im attaching my FTC report, state id, Identity theft affidavit, and proof of my address.

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 2021-07-29 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: NY

Complaint narrative:
I am contacting you today because I am a victim of Identity theft, my life is in a place where I never thought it would be. Recently I did not know about how to handle this fraudulent account with XXXX that someone frauded me out of for {$5000.00} with that company. The company then sold it to another company as a collection and they've been harassing me and my family, coming to my home and calling me nonstop. Now I contacted the original creditor and they fraudulently sold the debt without telling me or contacting me to let them know that the account was fraudulent or going to be sold. Now as a consumer with your company im suppose to be protected from all fraud that takes place. I am not asking, you must abide by the law and this account has to come off. According to the FCRA all fraudulent accounts must be removed within 4 days or you are in violation of the law. Ive read up on multiple sites that you guys try to go around the rule and verify that the debt is inaccurate, but all my information was stolen so ofcourse they will try to verify because they think its me. This is not my debt but I am suffering for it do not let XXXX XXXX lie to you and say that its me. Do not let the criminals get away with putting this debt on my name. I want justice for me and my family. Im attaching my FTC report, state id, Identity theft affidavit, and proof of my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
BANK OF AMERICA continued to contact me without my consent in reference to the collection of an alleged debt obligation. The numerous harassing phone calls at inconvenient times continued even after I initially request that you cease all communication with me in reference to the collection of an alleged debt obligation on XX/XX/2021. 

BANK OF AMERICA further continued harassing me by contacting me without my consent via multiple emails with obscene and threatening language. Within these emails, you discriminated against me by denying me credit because I have in good faith exercised my rights. This behavior is unacceptable, unethical, and against the law.

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 2021-07-29 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: CCS Financial Services, Inc.
State: UT

Complaint narrative:
Credit Collection Service is reporting a debt on my credit file that I do not owe. I paid this account the moment I found out about it since I never received any mail from them or a phone call. This violates my 30 day right to dispute under the FCRA and the FDCPA. I am aware that Credit Collection Services report to the bureaus as they deem necessary since they are the furnisher. If this is not removed, I will have no alternative than to exercise whatever rights and remedies we have under the law to enforce the removal of this account.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: CT

Complaint narrative:
On XX/XX/2021 I have sent a letter regarding inaccurate and unknown things on my credit report to this day, over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and ignored of my disputes. It has been over 30 days 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 data breach and may have gotten into the hands of the wrong person.

I am not working with any third party credit repair company, I am solely the only person working on resolving issues on my credit report.

Company response to consumer: Closed with explanation