vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
Mr. Cooper 's on-line payment system is riddled with errors and issues. On multiple occasions their systems would not recognize my user name or password. The user name/password retrieval system does not work. It sends you a time limited temporary password. It takes so long to receive the message that the temporary password is no longer valid once you receive it. When you call to pay by phone they charge a service fee. Unfair business practice. Their customer service is non-existent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My rights have been violated according to ... 15 U.S.C. 1681 602 ( a ) states I have the right to Privacy ... ..15 U.S.C . 1681 604 Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions ... ..accounts XXXX XXXX  {$410.00}, XXXX XXXX XXXX {$780.00}, XXXX XXXX {$850.00}, XXXX XXXX XXXX {$1300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello I am reaching out because the listed accounts, -showing the dates and what bureau that it posted on is a part of identity theft. I attempted to resolve this with the bureause below but I have not been successful. 

RESIDENT VERIFY Tenant Screeners XX/XX/2022 Experian XXXX Miscellaneous Finance XX/XX/2022 XXXX PEOPLE FUND Miscellaneous Personal Services Other Than Medical XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 Experian XXXXXXXX XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXX Credit Unions XX/XX/2022 Experian XXXX - XX/XX/2022 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 2022-03-18 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have filed dispute in regards to incorrect items on my credit report. It's been well over 30 days and I still haven't receive my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have filed dispute in regards to incorrect items on my credit report. It's been well over 30 days and I still haven't receive my investigation results.

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 2022-03-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Opportunity Financial, LLC
State: MD

Complaint narrative:
I am a victim of identify theft and I have receive several emails from this company regarding a loan that I did not take out. My credit file is frozen and there is a fraud alert place with all credit bureaus. This company only option to notify them of fraud is by email and I have yet to hear anything back from them. I did not apply for any loans through OppLoans and need this to stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: TX

Complaint narrative:
Spoke with a representative with XXXX and verified that the student loan for XXXX XXXX XXXX does not belong to me. I never attended XXXX XXXX XXXX  and did not take out a loan for the school. The representative with XXXX acknowledged and verified the loan does not belong to me and would send me information on how to file a police report, and a letter to submit to XXXX to have them remove the information. That information was not sent to the email that I provided. I only received an email verifying that the call took place. I requested the original documents showing that I had taken the loan out to be mailed to me and the information on how to file a police report and the letter. I disputed XXXX through Experian and again they verified this loan as mine. I want to file a complaint for all the time XXXX has shown on my credit incorrectly and the proof of inquiries that have turned me down for credit since they have been fraudulently reporting on my credit, incorrect information.

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 2022-03-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA

Complaint narrative:
This company is attempting to collect debt that has been XXXX through Chapter XXXX Bankruptcy in XXXX of XXXX  Over the years, this debt has been purchased and sold by numerous debt collection agencies. This nonsense has got to stop. This company is well aware of the XXXX status of this debt and they are well aware of the expired statute of limitations for debt collection. The purchasing, selling and repurchasing of debts XXXX in Bankruptcy should not be permitted. The debt they are attempting to collect was XXXX XXXX  years ago! I should not have to continue dealing with this nonsense from these collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On : XXXX XXXXXX/XX/2022 Wells Fargo decided to Close my ATM Card, for at least a Year. They told me that I misused their ATM Card, for Disputes that I did on my ATM Card constantly.

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 2022-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello I am reaching out because the listed accounts, -showing the dates and what bureau that it posted on is a part of identity theft. I attempted to resolve this with the bureause below but I have not been successful. 

XXXX XXXX XXXX XXXX XX/XX/2022 XXXX  XXXX Miscellaneous Finance XX/XX/2022 XXXX XXXX XXXX Miscellaneous Personal Services Other Than Medical XX/XX/2022 XXXX XXXX Credit Unions XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX Credit Unions XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX Credit Unions XX/XX/2022 XXXX XXXX - XX/XX/2022 Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
XXXX XXXX contacted me XX/XX/XXXX about a debt I do not owe to XXXX XXXX they purchased. I contacted my current insurance to fax a letter saying I cancelled properly. I thought it was settled. XX/XX/XXXX they contacted me to collect the same debt that was taken care of my insurance company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX are in violation of The Fair Credit Reporting Act and has violated my rights. 
15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 section 604 A states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-03-18 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: AZ

Complaint narrative:
I am trying to get a home improvement loan and the agencies are not removing old fraudulent & incorrect entries on my report. I requested removals several times both online and via mail. Many of the companies reporting fraudulent info had mail bounce back from XXXX with invalid address when I tried to contact them. 

XXXXXXXX XXXX - false medical debts on XXXX XXXX XXXX ( Equifax deleted it ) XXXX XXXX & XXXX XXXX- duplicate secured card accounts that were closed in XX/XX/2017 with amounts due to me incorrectly reported as chargeoff instead of closed with XXXX balance. I also never received my refund. This in on all three agencies XXXX XXXX - secured card account that was closed in XX/XX/2017 with amounts due to me incorrectly reported as chargeoff instead of closed with XXXX balance. I also never received my refund. This in on XXXX and Equifax ( TU deleted it ) XXXX court - this false information is still being reported even though I requested proof of their source XXXX times via mail. No response from XXXX XXXX XXXX. Equifax deleted it. 

Fraudulent inquiries from XXXX and XXXX that only appear on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am trying to get a home improvement loan and the agencies are not removing old fraudulent & incorrect entries on my report. I requested removals several times both online and via mail. Many of the companies reporting fraudulent info had mail bounce back from XXXX with invalid address when I tried to contact them. 

XXXX XXXX - false medical debts on XXXX XXXX Experian ( XXXX deleted it ) XXXX XXXX & XXXX XXXX- duplicate secured card accounts that were closed in XX/XX/2017 with amounts due to me incorrectly reported as chargeoff instead of closed with XXXX balance. I also never received my refund. This in on all XXXX  agencies XXXX XXXX - secured card account that was closed in XX/XX/2017 with amounts due to me incorrectly reported as chargeoff instead of closed with XXXX balance. I also never received my refund. This in on Experian and XXXX ( TU deleted it ) XXXX court - this false information is still being reported even though I requested proof of their source XXXX times via mail. No response from XXXX XXXX Experian. XXXX deleted it. 

Fraudulent inquiries from XXXX and XXXX that only appear on 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 2022-03-18 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: PA

Complaint narrative:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the XXXX and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX  Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc
State: IN

Complaint narrative:
Bull City Financial Solutions , Inc XXXX {$160.00} XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
Fedloan advised me in XXXX and XXXX I had to recertify my loans otherwise it would mess up my payment counts. I recertified my loan. XXXX, this was incorrect. Die to the administrative forbearance I did not need to recertify by XX/XX/2022 because I had an additional year at the lower payment. Fed loan processed my recertification XXXX and my payment went up by over {$300.00}. I am a XXXX single mom and I do not have that kind of money. Plus, Fed loan was not honest when they stated my loans had to recertify by XX/XX/2022 when in fact I had a year like everyone else. 

I want my monthly payment to go back to the previous amount of {$99.00}. I am being penalized for Fed Loan 's incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: MD

Complaint narrative:
Equifax and XXXX reported a collection for the amount of XXXX on XX/XX/XXXX and a collection for {$1900.00} on XX/XX/XXXX. XXXX which these accounts were not created by me. Equifax and XXXX has not provided me original contracts with my signatures and they failed to reply to be with the XXXX  days of my written request. my rights are being violated and I would like them to remove this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
The company XXXX XXXX XXXX XXXX is reporting me for a debt of {$2900.00} that I owe them. I have never bought anything with them. someone is doing it with my information, so I request that an investigation process be opened. The company has not taken basic measures to prevent this fraud. such as photo identification and verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: Allied Collection Services, Inc. (Nevada)
State: IN

Complaint narrative:
The Debt I have with Allied Collections out of XXXX is refusing to stop reporting my debt after 7 years of reporting XX/XX/XXXX is when debt started and now its XX/XX/XXXX I want debt deleted from 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 2022-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Account Name : XXXX XXXX Account number XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : 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 2022-03-18 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: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Account Name : XXXX XXXX Account number XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I requested for the XXXXXXXX XXXX account be validated through Transunion Bureau. It is my legal right under FCRA 15u.s. Code 1681 states responsibilities of furnishes of information to consumer reporting agency. They must have valid information from the original creditor, which they have not produced any evidence to me, this is the third request.

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 2022-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXXXXXX are in violation of The Fair Credit Reporting Act and has violated my rights.

15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 section 604 A states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-03-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX  XXXX are in violation of The Fair Credit Reporting Act and has violated my rights.

15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 section 604 A states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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