vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-01 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX PENNSYLVANIA ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2022-02-01 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: FL

Complaint narrative:
XXXX did the right thing by deleting all the discrepancies from my credit report and they followed the rules by deleting XXXX XXXX XXXX XXXX charge off/write offs. XXXX XXXX did not respond accordingly within the 30 day time period since XXXX of 2021 so, by law TRANSUNION and XXXX should be removing all of the charge off/write offs by XXXX XXXX too .

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 2022-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I was recieving emails from Apple card ( Goldman Sachs ) that was saying I am elegible to enroll to Disaster Relief Assistance Program by FEMA, which provide benefits like skipping payments due in the month I enrolled and no interests will be charged. So I was enrolled and was contacting XXXX support to make sure that I will not be charged for the month of XXXX, they confirmed that, but I still was charged {$140.00}. For the month of XXXX I made total amount of payments {$350.00}. I was trying to dispute charge with XXXX support, opened dispute case, but it didnt work, because they said even if I am enrolled I still had to pay minimum interests, what made me confused because this is why I was enrolling to Disaster relief program to avoid paying interest for the month of the enrollemen and I actually was making payments which is total {$350.00}. In XXXX I was enrolled again and even though I paid {$240.00} which is more than my minimum interest for the XXXX month. Again contacted XXXX support to make sure if I will not be charged, they said yes I will not be charged, but at the end of the month I was charged {$130.00}! Calling them every day, every day supervisors keep giving me different information, like this charge was for the previous month, then they was saying, I was charged because I wasnt enrolled, then because I am not eligible for this program, lying and giving new information again and again. They was keep lying that they was actually opening dispute cases when they never did, first saying me to wait up to 10 days, then 30 days, after 30 days wait up to 90 days. Every time when I am asking fot the ticket number of my case, they was putting me on hold and hung up. So I was calling again and again talking to hundres of supervisors explaining situation again and again, they was " opening new dispute cases '' every time and when I am asking what happened with previos cases, they were saying that they can not see any opened case, which means every supervisor was lying about opening case, they was just making me to wait for the time of reviewing the case, probably just until I forget about the issue. They keep saying you will recieve a call or email about your dispute case, never recieved anything since XXXX. The only email I recieved says " that you are not eligible to enroll in disaster relief program, because your account is currently enrolled in disaster relief assistance '' which doesnt make any sense honestly. I gave up to keep calling them because all they do is keep lying and hunging up when they dont feel comfortable to talk anymore.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-01 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: GA

Complaint narrative:
This is to inform all three credit bureaus that a Florida Department of Revenue sent a letter to show this account was paid in full. The date it was closed. Your agency is reporting that this account was 120 days past due. However, this account was not 120 days past due. Please also be aware that any negative mark found on my credit reports ( XXXX, Transunion, and XXXX ) from your company or any company that you represent, for a debt that I owe, is a violation of the Fair Debt Collection Practices Act ; therefore, if you can not validate correct payment history immediately. The request is to remove the erroneous information with a full deletion. 

1. Delete 120 days late payments ( this is not correct ) 2. Delete this is a government collection account 3. The date when closed is incorrect.

According, to the Fair Credit Reporting Agency any incorrect information on the credit report is Defamation and a Violation of the Fair Debt Collection Practices Act

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 2022-02-01 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: GA

Complaint narrative:
This is to inform all three credit bureaus that a Florida Department of Revenue sent a letter to show this account was paid in full. The date it was closed. Your agency is reporting that this account was 120 days past due. However, this account was not 120 days past due. Please also be aware that any negative mark found on my credit reports ( Experian, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I owe, is a violation of the Fair Debt Collection Practices Act ; therefore, if you can not validate correct payment history immediately. The request is to remove the erroneous information with a full deletion. 

1. Delete 120 days late payments ( this is not correct ) 2. Delete this is a government collection account 3. The date when closed is incorrect.

According, to the Fair Credit Reporting Agency any incorrect information on the credit report is Defamation and a Violation of the Fair Debt Collection Practices Act

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 2022-02-01 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: TX

Complaint narrative:
XXXX XXXX refuse to disclose all documents to validate the inaccurate information published on all three of my credit files. I have made several attempts through the company and all three reporting agents, which all fail to provide proper documentation and verifiable information of their reporting actions. 

Per FCRA section 611 ( a ) 5 publishing inaccurate and unverified items on my credit report damaging my reputation and credit worthiness, I'm requesting this account be immediate removed from all three reporting agencies. 

XXXX, XXXX, Experian and XXXX fail to provide proof of investigation to validate inaccuracy reporting on my credit report. XXXX XXXX has been sued due to their negligence and violations of consumer rights not following proper protocol and reporting actions by the rights of CFPB and Fair Credit Lending Act to all consumers involved in legal action suit case # XXXX. As of XX/XX/2022 court approved settlement in which my case was part of Ally violations. Enclosed document validate my actions and attempts for the last two years to have this account removed from both my spouse and I credit file.

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 2022-02-01 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: MI

Complaint narrative:
This company frauded millions of students out of money for student loans and are nowhere to be found. I have written letters, attempted to call and nothing. This company is out of business and as of recently I was made aware that XXXX is under investigation but the DOJ fir the fraudulent behavior. Transunion, XXXX nor XXXX has verified any of the information that I continue to give to them and this has turned into a literal nightmare! Even the contact info on my credit report is not valid, the number is disconnected with no forwarding number. Even the letters that I sent are simply returned!

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 2022-02-01 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:
This company frauded millions of students out of money for student loans and are nowhere to be found. I have written letters, attempted to call and nothing. This company is out of business and as of recently I was made aware that XXXX is under investigation but the XXXX XXXX the fraudulent behavior. XXXX, XXXX nor Experian has verified any of the information that I continue to give to them and this has turned into a literal nightmare! Even the contact info on my credit report is not valid, the number is disconnected with no forwarding number. Even the letters that I sent are simply returned!

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 2022-02-01 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: ACS Education Services
State: MI

Complaint narrative:
This company frauded millions of students out of money for student loans and are nowhere to be found. I have written letters, attempted to call and nothing. This company is out of business and as of recently I was made aware that XXXX is under investigation but the DOJ fir the fraudulent behavior. XXXX, XXXX nor XXXX has verified any of the information that I continue to give to them and this has turned into a literal nightmare! Even the contact info on my credit report is not valid, the number is disconnected with no forwarding number. Even the letters that I sent are simply returned!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This complaint is against XXXX, trans union, and XXXX also any other involved party whom has been misusing my personal information to create fraudulent accounts under my name. 
Ive been checking my credit reports since my identity was stolen back in 2013 my ID and wallet was stolen from my ex girlfriend car while I was in the hospital checking on a family member. I have advised both all XXXX  credit bureaus and the companies involved of my identity theft and me not authorizing any new accounts but they keep taking them off then re add the same account using another company and new date its very unprofessional and damaging my credit report causing me everything I have work on please fix this

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 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This complaint is against XXXX, XXXX XXXX, and Experian also any other involved party whom has been misusing my personal information to create fraudulent accounts under my name. 
Ive been checking my credit reports since my identity was stolen back in 2013 my ID and wallet was stolen from my ex girlfriend car while I was in the hospital checking on a family member. I have advised both all three credit bureaus and the companies involved of my identity theft and me not authorizing any new accounts but they keep taking them off then re add the same account using another company and new date its very unprofessional and damaging my credit report causing me everything I have work on please fix this

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 2022-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was struggling before COVID due to multiple hurricanes affecting my property and was applying for assistance then COVID came and I was put on the COVID forbearance for 18 months. I accepted the forbearance with the assurance that no one would have to pay all the payments at one time but the bank would work with us to put the payments in the loan so we can resume making payments.

After the COVID forbearance ended on XX/XX/XXXX Bank of America refused to review my loan for loss mitigation assistance. I escalated the issue countless times and no one could explain why Bank of America would not review me. The CFPB guidelines that went in into effect XX/XX/XXXX clearly stated all mortgage companies had to review for assistance before starting foreclosure on a homeowner after the COVID forbearance. Bank of America did not do this but referred me to foreclosure without doing a review as the guidelines stated On XX/XX/XXXX I spoke to customer service who said there was no foreclosure but yet at the same time I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( who is Bank of America 's foreclosure attorney ) stating I was referred to foreclosure on a letter dated XX/XX/XXXX. I called on XX/XX/XXXX and went to escalations who then said a foreclosure sale had been held and I had to contact the attorney to " redeem '' my property. I spoke to the foreclosure attorney on XX/XX/XXXX and they adamantly said they did NOT foreclose on my property on XX/XX/XXXX but I should talk to bank of america. 

I was in a death loop where Bank of America was saying I had to speak with the XXXX XXXX attorney to redeem my home and the XXXX XXXX attorney was saying I had to speak with Bank of america?? 

On XX/XX/XXXX I escalated at Bank of America again and reached another escalation agent who this time said there was NO foreclosure sale and reached out to level 2 foreclosure at Bank of America who confirmed the same that there was NO foreclosure sale date. 

I speak to Bank of America again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX each time receiving conflicting information about the foreclosure sale I would not have accepted the COVID forbearance for 18 months had Bank of America said there would be NO loss mitigation review and I would have to completely reinstate my loan

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 2022-02-01 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: Nelnet, Inc.
State: WA

Complaint narrative:
Been trying to haveXX/XX/XXXX fix with little or no response.XX/XX/XXXX is reporting in the months of XXXX and XX/XX/XXXX as late payments of XXXX and XX/XX/XXXXdays on XXXX individual loans which are showing XXXX missed payments for these XXXX months. No XX/XX/XXXXday warning given. 

The account had never began getting payments let alone should only be at the most XXXX missed payments not XXXX. I am enrolled in the payment based on income. 

Tried requesting an update multiple Times throughout XXXX and XXXX. This mistake is causing an extreme hardship on my family. XX/XX/XXXXt states problem has been resolved when it has not been resolved. 

XX/XX/XXXX my accounts causing a score of XXXX and denial of any apartment I apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
LVNV aka Resurgent Capital Services. This company continues to contact me regarding multiple debts that they have not verified/validated. They have emailed me over 90 times regarding different accounts they allege I owe. I have sent them a cease and desist notice which they have failed to honor. They are not only continuing to send me mail, but they are indirectly communicating with me via furnishing incorrect data to various consumer reporting agencies which is a violation of the FDCPA. They have submitted evidence through their representative which shows they have continued to contact me after they have received my notice to cease and desist all communication efforts regarding any debts they allege I owe. They received my letter on XXXX XXXX, 2021 and have sent me mail concerning these alleged debts XX/XX/XXXX and XX/XX/XXXX of 2021. This harassment and abusive debt collection practices. They are bullying me and trying to collect on debts that are not mine. None of the statements or information they are reporting on me is connected to any address of mine clearly this is an error and they have not efficiently investigated any of this information. I am demanding they remove all accounts they have furnished on my consumer report with all credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: VA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-01 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: VA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation