vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-17 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: VT

Complaint narrative:
I have tried several times to dispute inaccurate information on my Equifax CR and every time they " dispute and verify info is correct '' a new inaccurate error gets put on. 
XXXX : I This data is wrong : Account Status NOT_MORE_THAN_TWO_PAYMENTS_PAST_DUE ( I have paid this loan off in full and the acct was closed XXXX Date of 1st delinquency : states XX/XX/XXXX, XXXX can this state DOFD when this was the date the acct was pd off in full? 
Date Reported XX/XX/XXXX, XXXX>should be XXXX  reporting on this it has been closed since XX/XX/XXXX. 
Date of Last Payment XX/XX/XXXX >paid off in full ( I have not had 1 late payment since XX/XX/XXXX but my equifax CR now shows a late payment in the past 30 days. 
XXXX : Date Reported XX/XX/XXXX- why is a closed paid acct r ( pd XX/XX/XXXX ) reporting to a CB? 
Date of First Delinquency XXXX XXXX, XXXX ( DOFD is XX/XX/XXXX ) XXXX  : Date of Last Payment XX/XX/XXXX ( paid charge off ) Date Reported XX/XX/XXXX, XXXX>why is this acct being reported when it has been closed, paid in full XX/XX/XXXX? This is making my CR from Equifax, a long with the inaccurate info above, to look like I have late payments in the past 30 days when that is not accurate. My last late payment is XX/XX/XXXX, over 22 months ago ) I have disputed these inaccuracies several times and each time the info coming back says it has been verified as accurate. These credit bureaus have a responsibility to report accurate and true information. The inaccurate info above that is now being reported from Equifax is wrong and reporting that I have made a late payment in the past 30 days and this is devastating to me as I have tried so hard through the pandemic to work on my credit and make better credit choices. So how is this right that they can report wrong and damning information?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
USAA is abusing my credit report they have been reporting on my account for over 13 years for the same exact account and thats abuse

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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:
i paid these accounts and they still on my credit report and hurting my credit report i need them removed XXXX XXXX XXXX  {$440.00} XXXX XXXX- {$210.00} XXXX {$210.00}

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 2021-10-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/2021 I mailed a certified dispute letter to XXXX XXXX XXXX XXXX XXXX and they never responded nor sent back any correspondence about the deletion I requested. it has been more than 30 days! there is still multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 14 complaints on XXXX they also have over 600 complaints with the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: CA

Complaint narrative:
The account was closed and the equipment was returned via USPS to the equipment return center. We have continually contacted XXXX XXXX XXXX XXXX XXXX to let them the equipment was returned. This charge isn't authorized or accurate.

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 2021-10-17 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I have many inquiries on my credit report showing that is not mine. I reached out to the consumer reporting agencies numerous times over 60 plus days. Letting them know that these inquiries are not mine, fraudulent, and unauthorized by me. I ask for proof and validation of these inquiries, and they refuse to send me validation only stating that it's verified. I know they haven't tried to investigate these inquiries because they are not mine and is a violation under 15 USC 1681b ( 3 ) i want them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: SC

Complaint narrative:
I have many inquiries on my credit report showing that is not mine. I reached out to the consumer reporting agencies numerous times over 60 plus days. Letting them know that these inquiries are not mine, fraudulent, and unauthorized by me. I ask for proof and validation of these inquiries, and they refuse to send me validation only stating that it's verified. I know they haven't tried to investigate these inquiries because they are not mine and is a violation under 15 USC 1681b ( 3 ) i want them removed 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 non-monetary relief
Consumer complaint received 2021-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: PA

Complaint narrative:
I had made student loan payments through XXXX during the Covid forbearance time as I did not know that payments were not required. I also learned in XX/XX/XXXX that I might qualify for loan forgiveness, so I applied and my loans were transferred to FedLoans in XX/XX/XXXX. I had made payments from XX/XX/XXXX through XX/XX/XXXX. 

Once they had been transferred to FedLoans on XX/XX/XXXX, I was told I could request a refund for the payments made during the Covid forbearance period but I needed to wait for them to receive all the information from XXXX. I initially made the refund request through FedLoans on XX/XX/XXXX. I did not hear anything back, so I contacted FedLoans again on XXXX and was told that they could not find my payment history as it had " not been transferred yet '' from XXXX. I requested my payment history be mailed to me during that same phone call. I called again on XXXX, where again I was told that they could not find my payments. On XXXX, I called and they had found my payments and were initiating the refund request. I called on XX/XX/XXXX to verify that the request had been initiated, and was told it would take 60 days. I didn't hear anything for a while, so I called on XX/XX/XXXX and spoke with XXXX # XXXX who again verified that my request had been initiated, but told me it could take up to 90 days. I called again on XX/XX/XXXX and spoke with XXXX # XXXX, confirming the request once again. 

On XX/XX/XXXX, I could see in my FedLoans account online that my loan total had been increased by the amount of my payments that I had requested for refund. The added values were {$13000.00} principle and {$17.00} interest, for a total of {$13000.00}. I called that same day to see when my bank account would be issued the refund. I was told that they were waiting for the Department of Education to review the request and issue the refund. I did not receive any refunds, so I called on XXXX and was told that I was waiting on either the Dept of Education or the Dept of Treasury to issue my refund. I made several attempts to contact someone in both of those departments, but kept getting the run around about who was responsible for issuing my refund and where it might be in the process. 

I filed a report with the Ombudsman on XXXX and have received several email updates over the last 5 weeks, all saying that they do not have any more information and are still looking into the issue. Overall, the process started in XX/XX/XXXX and they are supposedly working through it. The refund for all my past Covid forbearance payments has not yet been issued to my bank account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Synovus Bank
State: OH

Complaint narrative:
In XX/XX/XXXX, agents from XXXX XXXX XXXX presented me with various life insurance policy proposals as a life insurance retirement tool which was to be premium financed for high net worth individuals. XXXX XXXX XXXX XXXX XXXX ( XXXX ) was to be used to hold my life insurance policy for the benefit of my family and estate tax savings. After several insurance companies refused me, XXXX finally presented me with XXXX XXXX as their financing partner. We began dealing with XXXX in XXXX XXXX a product from XXXX XXXX XXXX. The plan called for {$5.00} XXXX  life policy tied to stock market ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The loan for {$2.00} XXXX was approved for my newly formed LLC although my financial status was tenuous at best ( credit was subprime and my condo was in foreclosure ). I was promised that there was no risk to the financial institution XXXX XXXX as total cash value would always equal or exceed the loan balance at each and every point in time. I was also promised I would not have to sign a personal guarantee. After about two years-XXXX XXXX, the interest payments ballooned and I could no longer afford them so I requested that the face value be reduced. 
No one listened or assisted me. My loan went into a " default '' status and I was charged a {$75000.00} prepayment fee and the company XXXX XXXX, a division of Synovus Bank pursued me in XXXX District Court until I had no recourse but to file Bankruptcy. Unbeknowst to me at the time, the insurance agents at XXXX XXXX XXXX and the principals at XXXX XXXX were working together and sharing insurance commissions. XXXX XXXX pursued me into bankruptcy even though they surrended the policy ( collateral ) and received back every XXXX of the {$1.00} XXXX in premiums it had sent to XXXX XXXX XXXX and even though they promised me otherwise. I believe there are many others in this fraudulent and predatory lending scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/2021 I received correspondence from XXXXXXXX XXXX XXXX stating that " [ they ] were unable to locate an account in [ their ] system under [ my ] name. '' This account is not mine and I have not knowledge of it, yet it is still reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/2021 I received correspondence from XXXXXXXX XXXX XXXX stating that " [ they ] were unable to locate an account in [ their ] system under [ my ] name. '' This account is not mine and I have not knowledge of it, yet it is still reporting to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Acra Intermediate Holdings, LLC
State: NJ

Complaint narrative:
Due to the pandemic, our business has been closed for 18 months. During that time, our home mortgage company granted us deferral. Most recently, we were assured deferral until XXXX, when our business was slated to reopen. Nonetheless, we began making payments earlier, in XX/XX/2021. Note that the mortgage servicer raised our monthly payments by $ XXXX/month, making it much more difficult for us to pay, yet we made payments for XXXX, XXXX, XXXX and XXXX. However, they kept calling us about the past due balances and did not apply the payments to our past due balance. They even refused to deposit the check for the XXXX payment, stating that there was a block on accepting any payments on our account until we paid the past due balance in full. They then reported us as XXXX days late to the credit reporting agencies! This is absolutely outrageous and needs to be reversed at once. We are just coming out of 18 months with no income. We have reopened our business and anticipate being able to pay off the deferred amounts, and we have every intention of doing so, but we need time to take care of a backlog of bills.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: LA

Complaint narrative:
The debt is on my credit report and I have disputed this debt several time. I never lived at the apartment complex. I sent in information where I lived during that time; such as driver 's license and water bill. The credit bureau told me that was not the proof I needed. They said that I need some type of documentation from management. The people that owned the complex does not own it anymore. So, I called the debt collection agency and I explained to them that I did not owe that debt because I never lived there. I told the lady that was on the phone that it was identity theft and i am not going to pay that bill. She was very rude and did not want to hear anything that I had to say. So, I called a second time and I was transferred back to the lady and I asked her for documents to see what she has that I owe the debt. She said that she could not give that to me. She told me to call the police and refuse to talk with me any further. So, I wrote a letter with the consumer protection information on it telling her I would like a copy of the documentation, least agreement and any other information so I can see if I owe this debt. I also asked for their company information. The letter was sent certified on XX/XX/XXXX. They received it on XXXX XXXX. I have a copy of the letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-17 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: ID Analytics, Inc.
State: PA

Complaint narrative:
SAGESTREAM has assumed a vital role in assembling and evaluating my consumer credit report which has led to several adverse actions.

SAGESTREAM is in violation of my right to privacy in accordance with 15 U.S.Code 1692 ( a ).

SAGESTREAM is in violation of 16 CFR Part 603.2 ( a ) by using my personal identifying information without my authority.

SAGESTREAM is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. If anyone verified information on my credit report without my expressed written consent, they have violated my rights and have committed fraud under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Notice, it is a fact, SAGESTREAM is in violation of 15 U.S.C. 1681 ( b ) under Permissible Purpose, which states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I hereby demand under written instructions, that SAGESTREAM perform the following : Consumers direction, SAGESTREAM 'S direct affiliation with the furnishing my personal identification information without my written consent or, giving me the opportunity to opt-out of such information being furnished to conspire to injure or oppress my free exercise or enjoyment of any right, ( denying me of my personal, family, living, and household expenses ) is in direct violation of 18 U.S. Code 241 Conspiracy against rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: NV

Complaint narrative:
The account type for the XXXX account reporting to my credit report is listed as open. I'm not sure how that be considering I have never made an agreement to pay this collection agency. I have not signed any contract with XXXX stating that I will pay them. The only thing that should be reporting to my credit report is data that is been validated and this XXXX account has not been validated. XXXX is using deceptive credit practices and that is unacceptable and against the law. I know my rights and according to 15 USC 1692g I am the original creditor and I am the only one who can validate this debt. I do not validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Online fraud report Account # XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX On XX/XX/XXXX around XXXX, I got an email from Wells fargo saying that a wiring of {$24000.00} from my account # XXXX has been confirmed. As soon as I got it from my cell phone I called wells Fargo to let them know that my account seems to have a bridge and tell them that it was not from me and they need to stop any transactions from it that day. Later I saw that {$24000.00} was wired to a XXXX  FED # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Trn # XXXX Rfb # XXXX. After talking to the wells fargo rep, She checked my phone #, address, pin # and text me a code to verify my identifty. She told me that they can't do anything right now and I need to go to a wells fargo branch and tell them to call them back directly to verify my identity with picture ID. I went to XXXX branches in all of them they told me that they are busy and can't help. I have to go a branch in XXXX to get help where they told me that this was done online and they stated that I did send money to my brother to buy a car. I don't even have a brother at all, without my knowledge or approval. I told them they need to cancel all my transactions that day to prevent any payment. At the branch, they took my ATM and destroy it in front of me and close my account. What I can see that Wells fargo bank didn't try to do anything that day because if it did, that person should alert XXXX bank to do not disburse money at all. After 20 days of investigations, I got a letter from Wells fargo saying that wiring was done by me or somebody I have giving authorization. I think they are wrong on that because I have never wired nobody money online since I opened my account in XXXX. Please help in investigating with local police where this happened. Usually even when I want to buy in local store if I try to spend more than {$500.00} I will get a message saying that I need to call Wells Fargo to confirm it's me. I was curious why they allowed to wire that much amount without verifying with me first.

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 2021-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
On XXXX at XXXX XXXX  I was transferring funds to a company using Cashapp ( Square ) to a company for service performed. The cash app name provided was duplicated by someone and they received the funds instead. I immediately contacted cashapp and the person receiving the funds to have the funds returned to my debit card. The unintended recipient rejected my request to return the funds and cash app support declined to help return the pending funds back to my account. I have reached out to my financial institution as well with no help provided. I feel that the fraudulent act is not being investigated by cash app as they are unwilling to help with my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Re : CFPB No : XXXX XXXX The reply provided by TransUnion is totally unresponsive and unacceptable. 
The basis for my complaint is the conflict of interest inherent in TransUnion permitting false and fraudulent information to be included in my personal credit file, in promotion of their credit repair scam business and extort payment from me of {$19.00} per month for all eternity, to remove the very same false and fraudulent information TransUnion has permitted to be placed there to begin with. 

The fraudulent and false information complained about has not been removed from my credit file and still remains. 

In addition, TransUnion has taken other deliberate steps to financially damage me even further. My complaint for fraudulent information was against TransUnion alone, because there is no fraudulent information on either my XXXX or XXXX credit file absolutely none of any kind. 

In addition, there is fraudulent information on my account which never should have been permitted to at the outset and must be removed.

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