vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-04 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: IL

Complaint narrative:
Dear XXXX, XXXX, XXXX : Thank you for sending me your internal records of the debt ( DEPT OF TREASURY ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my " Session '', " Time-Stamp '', " Browser '' and " IP Address '', with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from EQUIFAX AND XXXX including reporting payments on a CLOSED ACCOUNT ( please see attachment ) which is in violation of the FDCPA. You stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
Dear ChexSystems Consumer ID XXXX My bank has informed me that there is negative information reported by XXXX XXXX included in the file Chexsystems maintains under ( XXXX ). Upon ordering a copy of the report, I see an entry from this bank listing a NON-SUFFICIENT FUNDS of {$270.00} I do not recall having a debit card from this bank in XX/XX/XXXX. Please validate this information with XXXX XXXX and provide me with copies of any documentation associated with this " debit card '' bearing my consumer wet-ink signature or E-signature stating my IP Address with Session, Time Stamp and Browser. In the absence of any such documentation stated above I ask that this information be immediately deleted from the file you maintain under my Social Security number. 

PLEASE REMOVE THE FOLLOWING INQUIRIES : You shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX i have no affiliation whatsoever with these addresses please delete immediately 1. XXXX XXXX XXXX XXXX XXXX, IA XXXX2. XXXX XXXX XXXX XXXX, IL XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Best Regard 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 2020-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
I paid off my mortgage 120 days ago in Florida what agency can help me the lender has still not filed a satisfaction of mortgage to the county

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
XX/XX/XXXX late payment report is incorrect, called creditor and spoke with a representative, I was told to dispute the late payment and that they would correct the issue with all 3 credit bureaus. 

XX/XX/XXXX - Followed up with XXXX XXXX ( creditor ) and was told the same information by a representative.

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 2020-12-04 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: MN

Complaint narrative:
XX/XX/XXXX late payment report is incorrect, called creditor and spoke with a representative, I was told to dispute the late payment and that they would correct the issue with all 3 credit bureaus. 

XX/XX/XXXX - Followed up with XXXX XXXX ( creditor ) and was told the same information by a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: MN

Complaint narrative:
XX/XX/XXXX late payment report is incorrect, called creditor and spoke with a representative, I was told to dispute the late payment and that they would correct the issue with all 3 credit bureaus. 

XX/XX/XXXX - Followed up with XXXX XXXX ( creditor ) and was told the same information by a representative.

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 2020-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NY

Complaint narrative:
I have filed a complain with the XXXX  against this company. But when I reviewed the other complaints listed there, I discovered that every single complaint was about the same thing as mine. This company clearly is employing some illegal tactics to get people so scared that they will pay for a debt they may not owe. I want resolution for my own problem, but I also think that the CFPB needs to put this company on warning so that they stop preying on people who may not realize their rights. For each of the people who complained, there must be thousands more who are falling victim to this company 's repulsive system for making money on people who thought they had gotten out of debt. 

I discovered the problem today because my credit report went down by 29 points, though I have been working very hard to restore it during a horrific divorce. I am in the middle of applying for mortgage modifications and need to keep my credit score intact during these very difficult times. I was shocked to see this company had filed a collections notice against me though I HAVE NEVER RECEIVED A COLLECTION NOTICE FROM THEM. They clearly bought this debt from someone else and have never bothered to look into it. This debt is probably from XX/XX/XXXX, and was my soon-to-be-ex-husband 's share of our phone bill. He left me with many debts and sole responsibility of XXXX children, and I explained to XXXX at the time that I was not able to pay for his phone bill, which was listed under a family plan. I thought that XXXX had thereafter cleared that debt and I even worked with a credit counselor who also worked to ensure that debt was clear. 

Now, out of nowhere, at the worst possible time, this company buys a debt that is at least 8 years old and lists it on my account as collections, completely destroying the credit I just spent a year rebuilding. This is not a new debt and I have not received anything ever from this company about this debt. They are destroying my chances to get a mortgage modification over a debt that did not belong to me and is over eight years old. I don't even think that the amount is accurate ; they list the debt as {$500.00} but I don't think this is even based on an accurate bill from 8 years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
My wallet was stolen out of my car. The thief used my ID and visited an emergency room and charged it to my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: MI

Complaint narrative:
Greetings, My name is XXXX XXXX, This complaint is in regards to the practices and credit algorithms implied by Equifax Credit Reporting Agency. I have been diligently working to improve my credit worthiness over the past 2 years. I have been monitoring my credit scores and activity through all 3 credit bureaus reporting agencies. 

On XX/XX/2020 my Equifax credit scores was XXXX. During that time I was recommended to dispute derogatory and closed account information. Also I made improvements of paying off 5-6 collections XXXX XXXX XXXX XXXX XXXX XXXX, which the company removed the collections from my credit report after payment. Equifax did not increase my score based of this change. The other reporting agencies increase my score ( XXXX and XXXX ). 

During XXXX, I also improved my credit utilization from 25 % to 0 % and removed 1 derogatory / closed account from XXXX XXXX in Michigan. I was anticipating a credit increase, However, unknown and without case, Equifax decreased my score on XX/XX/2020 from XXXX to XXXX ( 35 pt decrease ). I contacted Equifax with intent to gain a understand and to be given a legitimate reasoning to why my score dropped. They were unable to provide cause to why my score decreased. I have expectational payment history and low utilization. Normally, a removal of a closed/derogatory account would be consider a positive action, unfortunately is resulted a negative output. 

I'm concerned that the Equifax is using unfair algorithms and credit practices to determine consumer credit worthiness. In comparison to My fianc Equifax credit report ; he has no credit history ; with 5-6 collections and his score is XXXX. 

I'm extremely frustrated that Equifax was unable to provide reason to the negative change in my credit worthiness. 

Your support and direction is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: OH

Complaint narrative:
As of XX/XX/2020 I received notification from Experian that the results of my third attempt to amend incorrect data on my consumer file was deemed accurate by the creditor. To add insult to injury, not only did Experian not remedy my file but they added additional incorrect reporting, which continues to hurt my credit worthiness. 

Despite me providing Experian with supporting documentation in writing to subsequent my claim, along with specific instructions to remove those inaccurate items and provide me with the tools they used to verify their decisionI was unable to preclude any of those items. 

On XXXX, XXXX I spoke with an Experian representative over the phone to air my grievances. We both agreed that the information was being reporting inaccurately. However, he advised he was unable to amend anything on his end without the confirmation from the original creditor. I then asked, if we both agree that it's inaccurate where does the responsibility fall on Experian to remedy the situation. Also, why isn't Experian being transparent about the investigation tools that are or are not being used to satisfy my claim. 

I feel both Experian and the original creditor ( US Dept of EduXXXX ) are in violation of the FCRA. I reached out to the creditor directly for resolution and they were unable to provide documentation to support the inaccurate information on my report. 

Someone has to step in. This is not ok

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 2020-12-04 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: VT

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-12-04 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: VT

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts. I believe that i was victim of Identity Theft, someone stole my personal information and applied for all these companies.

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 2020-12-04 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:
There are numerous accounts listed on my credit report that I have no knowledge of. This was a result of malpractice or an 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 2020-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Hi Experian ; XX/XX/XXXX; and XX/XX/XXXX ; I was actually in the process of reviewing my credit and noticed that there are several incomplete, errors, and variations of my name and addresses and previous addresses. I've attached what I've sent to the credit bureaus many times that i want those previous addresses and unknown names removed from my credit report. Basically, Ilooking at my credit report, I noticed errors with my personal information, misspelledof myactual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries thatI'mnot 100 % sure how it's here, and how you can mix such file. This is a big issue for me - Can you please fix it for me? As far as I know by reading the FTC, FCRA laws and regulations, any and all others are inaccurate and/or outdated informationmustbe deletedimmediately from my credit report asthey are not reportable as per theFCRA, since they are inaccurate.

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 2020-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
During the month of XX/XX/XXXX I had several bouts of XXXX XXXX, uncontrolable XXXX of XXXX, XXXX, etc. I visited my XXXX, XXXX XXXX XXXX. On two seperate ocasions he gave me XXXX XXXX bottles to fill and then sent them to a company called XXXX for analysis. XXXX subsequently told me that XXXX XXXX XXXX  work orders had been miss-coded, to the effect that the XXXX XXXX were identified as being part of a rutine XXXX XXXX XXXX. Thus, XXXX refused reimbursement for these analysis. 

XXXX XXXX  normal modus operandi is to have the patient sign an agreement to pay XXXX for any analysis that has not been paid for by another party. Since i did not take the XXXX XXXX to XXXX in person, I did not sign any such agreement. 

Sunsequently XXXX XXXX corrected the work order coding and sent said revised paper work to XXXX. XXXX then sent me a letter sataing that they had recieved XXXX XXXX corrected work orders, but that they would not resubmit a new request for payment to XXXX. They directed me to pay them up front and then attempt to get reimbursement from XXXX. Since I had never agreed to pay XXXX for any third parties mistaken actions or ommisions, I refused to pay. XXXX then turned their attempt to collect a debt that I do not owe them to a debt collection Company, Credit Collection Services ( CCC ). 

On XX/XX/XXXX CCC wrote me a dun letter. Upon recipt of said letter I called CCC, and in a recorded conservation I explained that they were attempting to collect a debt that I did not owe. I explained to them in detail be facts and circumstances that led to their client 's, ( XXXX ), false claim that I owed a debt. 

Since then CCC has writted two additional letters threatening to ruin my credit if I did not pay XXXX. 

XXXX - Debt Collection Division XXXX XXXX XXXX XXXX, NC XXXX CCC XXXX XXXX XXXX XXXX, MA XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: MN

Complaint narrative:
I do not recognize ANY of these inquiries on my credit report. 
Creditor : XX/XX/XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XX/XX/XXXXInquiry Date : XX/XX/XXXX Creditor : XX/XX/XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : US SM BUS ADMIN ODA Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XX/XX/XXXX Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are numerous accounts listed on my report as collections that I have no knowledge of. These accounts are a result of malpractice or 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 2020-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.

Complaint narrative:
I am a foreign citizen and I don't have a social security number. I took a mortgage from XXXX in XXXX, where I have a company. 
Some years ago XXXX transferred my mortgage to MR.COOPER. Then started a real nightmare. The company did not aloud foreign citizens without social security number to have a web account. So it was very difficult to have an Auto Pay but after several months I got it. 
At the beginning of this year with the pandemic situation, MR COOPER offered 3 months of suspended payments and I accept it. After these three months I called to autorize the Auto Pay again. They said it was impossible to do it by phone. I am outside the country and explained that. They follow the rules and kept saying that. So I start to have problems with the payments. Every month I need to call. Sometimes they charged late fees and sent threatened letters. I kept calling trying to fix this. Last time they send me a form and ask to enclosed a voided check from my Bank. I could not do it. I am out of the country, I can travel, but they are worried with my problems. 
I can't believe the USA Government keeps a company like that working in the financial market. They should be prohibited to work with foreign citizens or to take their mortgages. In a Global Market like actually we can't accept this kind of treatment. Please help me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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:
There are numerous accounts listed on my credit report that I have no knowledge of. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation