vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I found XXXX discrepancies on my XXXX report through XXXX XXXX on XX/XX/2021. I went to the XXXX site to verify because I never received a written notice from XXXX concerning these collection accounts. Once I logged in the XXXX website, it informed me that I had to pay a fee to view my report. I understand that I am entitles to, at least, XXXX free report per year. XXXX did not provide any options for a free report. These XXXX collection accounts have decreased my credit score and has jeopardized my opportunities in getting other credit options. I have disputed both collections : XXXX XXXX XXXX XXXX XXXX My first dispute was in XX/XX/2021 and I have disputed every XXXX months after that initial date. 

The creditor disappears and then re-appears on XXXX XXXX. Unfortunately XXXX XXXX is the only why I can monitor these account because I am unable to dispute or review on the XXXX site itself. 

I am unable to apply for a home and my purchase of a vehicles ARP is 24 % due to these inaccuracies on my account with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: GA

Complaint narrative:
I found XXXX discrepancies on my XXXX report through XXXX XXXX on XX/XX/2021. I went to the XXXX site to verify because I never received a written notice from XXXX concerning these collection accounts. Once I logged in the XXXX website, it informed me that I had to pay a fee to view my report. I understand that I am entitles to, at least, XXXX free report per year. XXXX did not provide any options for a free report. These XXXX collection accounts have decreased my credit score and has jeopardized my opportunities in getting other credit options. I have disputed both collections : XXXX XXXX XXXX XXXX XXXX My first dispute was in XX/XX/2021 and I have disputed every XXXX months after that initial date. 

The creditor disappears and then re-appears on XXXX XXXX. Unfortunately XXXX XXXX is the only why I can monitor these account because I am unable to dispute or review on the XXXX site itself. 

I am unable to apply for a home and my purchase of a vehicles ARP is 24 % due to these inaccuracies on my account with 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 2022-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: NY

Complaint narrative:
They wrote back stating too bad and we are not taking it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Signed up for fasfa and I have a open loan of XXXX for XXXX XXXX that I never signed for. I don't know if I am listed as a co signer but I did not agree to have my credit used

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXXXXXX XXXX account XXXX XXXX XXXXXXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX account number XXXX XXXX XXXXXXXX account number XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX account number XXXXXXXX XXXX  XXXX BANK account number XXXX XXXX XXXXXXXX XXXX XXXX account number XXXX XXXXXXXX XXXX account number XXXXXXXX XXXX account number XXXXXXXX XXXX XXXX XXXX account number XXXX XXXXXXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX OF XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2022-06-14 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: MI

Complaint narrative:
I have been reporting these accounts that doesn't belong to me but I get no response from any of the 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 non-monetary relief
Consumer complaint received 2022-06-14 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: MI

Complaint narrative:
I have been reporting these accounts that doesn't belong to me but I get no response from any of the 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 2022-06-14 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: Convergent Resources, Inc.
State: CA

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

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 2022-06-14 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:
In accordance with the fair Credit Reporting act XXXX account XXXX XXXX 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 with out 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 2022-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX I received a letter from Carrington Mortgage stating they are intending to start the foreclosure process, They are stating they have not received the XX/XX/XXXX and XX/XX/XXXX payment. On XX/XX/XXXX I purchased cashier check serial number XXXX in the amount of {$750.00} and mailed it to Carrington Mortgage. On XX/XX/XXXX I received a letter from Carrington Mortgage stating they did not receive a physical check for the loan but they included a copy of the front and back of the cashier 's check ( listed above and that it had been processed. They also included a copy of a ledger and offical check from XXXX XXXX XXXX  dated XX/XX/XXXX in the amount of {$1100.00} regarding a XXXX XXXX loan number XXXX. The ledger showed both payments listed above. I responded with a letter dated XX/XX/XXXX regarding the above and copies of the above documents and the cashier 's check dated XX/XX/XXXX. I received a letter on XX/XX/XXXX from Carrington Mortgage stating The Loan Administration Support Department was investigating this situation and would give me a response on or before XX/XX/XXXX. On XX/XX/XXXX I purchased a cashier 's check serial number XXXX in the amount of {$750.00} and mailed it to Carrington Mortgage. I included the documentation from XX/XX/XXXX along with the letter dated XX/XX/XXXX and a copy of the LATE charge I was charged for the XXXX payment that wasn't properly applied to my account. I contacted my bank today and verified that the XXXX payment was processed and cleared from my bank account, The XXXX payment had not been processed yet. I would like for Carrington Mortgage to process the payments and remove the late fees to the account. The Mortgage Information is as follows XXXX XXXX XXXX XXXX XXXX XXXX Loan Company XXXX Carrington Mortgage Services , LLC XXXX XXXX XXXX XXXX, IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
In accordance with the fair credit reporting act, these companies have violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2022-06-14 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: Continental Services Group, Inc. d/b/a ConServe
State: NC

Complaint narrative:
In accordance with the fair credit reporting act, these companies have violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: IL

Complaint narrative:
( ONCE AGAIN I AM NOT ARGUING MY ACCOUNTS IM ARGUING YOUR ERRONEOUS REPORTING WHICH IS DESTROYING ME AND MY FAMILY 'S LIFE. 

XXXX XXXX XXXX XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 

YOU ARE REPORTING MY CHARGE OFF AS INCOME. INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT ONCE IT IS CHARGED OFF AND PLACED ON A CREDIT PROFILE. 

the IRS clearly says a Cancelled debt or Charge Off is income : The reporting of these account as DEBT is inaccurate : THIS IS WHERE YOU ARE IN VIOLATIONS As defined by the IRS income does not get reported on a consumer report once a charge off is put on your credit. YOU MUST REPORT CANCELLED DEBT AS ( GROSS INCOME ) ON YOUR TAX RETURN WHICH MAKES YOUR REPORTING ON MY CREDIT PROFILE INACCURATE. { IRS publication ) 1099-C I have several charge offs on my credit profile from NF ONCE AGAIN I am requesting duplicate 1099-Cs for the following accounts : These accounts are reporting inaccurate according to the law. 

{ XXXX } { XXXX } { XXXX } { XXXX } IT IS MY CONSUMER RIGHTS TO REQUEST THIS INFORMATION I KNOW THE LAW AND YOU XXXX XXXX HAVE IGNORED MY REQUEST OVER AND OVER. 

I am requesting additional information did you charge off any of these accounts with the XXXX XXXX? 

Did you file any of the following debts on XXXX taxes as a { lost of income }? and if so, have you received { a tax credit }. 

According to the IRS rep my taxes are upside down because all of the income XXXX is reporting on my credit profile with there 1099-C 's reducing your tax burden and increasing my taxes. 

The IRS says reporting of a charge off is inaccurate for the simply fact that a charge off is gross-income. 

A Lender must file 1099-C and send you a copy if the amount the amount of debt cancelled is {$600.00} or more and the lender is a financial institution, credit union XXXX federal government agency, or applicable entity. 
15 USC 1681s2 : Says you XXXX are a furnisher of information to a consumer reporting agency you are PROHIBITED by law to furnish inaccurate information I demand you to cease and desist the reporting of incorrect/ inaccurate information immediately.You are hereby put on NOTICE : that your are furnishing incorrect/inaccurate information on my consumer report. 

In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: EQUIFAX, INC.
State: MI

Complaint narrative:
The Credit Companies are not complying with their own policies in a timely manner!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
Hi My name is XXXX XXXX. My bank is XXXX XXXX. My XXXX XXXX. 
On XXXX XX/XX/2022 I order an wire fund to a company XXXX XXXX XXXX  with a XXXX  XXXX account XXXX. But money end up in XXXX XXXX XXXX. 
I tried without success to recover money. They take more 10 days to investigate. They sent me report on XXXX XX/XX/2022 Finally, banker told me I can not get money back on XX/XX/XXXX XXXX. 
XXXX XXXX  said that : XXXX is owner of XXXX. So that money goto right company which is not true. 
Attached are 3 files : 1. my order.

2. screen shot of wire trans detail in my account via web-site.

3. investigate report from XXXX XXXX 4. emal from XXXX XXXX  Thanks for your help Regards XXXX XXXX Email : XXXX Cell phone : 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 2022-06-14 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:
I sent a letter to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and all 3 credit bureaus on XX/XX/2022 In regards to The late payments that are reporting on the 3 accounts listed earlier in this conversation. I stated " In light of your company 's verification that I was late, which I find to be incorrect, I'd like to know the mechanisms that are in place to investigate these erroneous late accounts. Did you even conduct a LEGAL INVESTIGATION because it is still not reporting a 100 % correctly? It's disappointing that your organization would choose to violate the FTC 's standards when conducting an investigation. I'm curious whether any additional consumers are being harmed as a result of your lack of research. What I'm interested in knowing is who you spoke with at the creditor 's office when you first began your said investigation. Also, please provide me with their complete mailing address. Furthermore, please do not send your template letter outlining how you conduct an investigation. I'd like to know exactly how you performed this investigation no outlines, specific details. Im sure you are aware that pursuant to Before you can validate a debt, you must first prove five things, the first of which is proving who the original creditor is, in this case, proving that I am the original creditor, which I have done. You can not legally claim to have conducted an investigation unless you conduct a legitimate investigation, such as one for a criminal offense. You need to speak with my friends, neighbors, family members, and me personally. If you have not completed this step, the investigation is not complete. As a result, you do not have any validation. And all info being furnished is supposed to be verified and investigated on before placing on my credit reports, so you have not properly investigated. You are in breach of the law. 
I will leave you with this, under 15 USC 1681b ( a ) ( 2 ) you may not furnish a consumer report without the written consent to report anything on my consumer report. No consent is identity theft. I have not given the written consent to report these late payments on my report. 
Remove all late payments from my consumer report effective immediately. You are in violation. ''

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 2022-06-14 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: FL

Complaint narrative:
I sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and all 3 credit bureaus on XX/XX/2022 In regards to The late payments that are reporting on the 3 accounts listed earlier in this conversation. I stated " In light of your company 's verification that I was late, which I find to be incorrect, I'd like to know the mechanisms that are in place to investigate these erroneous late accounts. Did you even conduct a LEGAL INVESTIGATION because it is still not reporting a 100 % correctly? It's disappointing that your organization would choose to violate the FTC 's standards when conducting an investigation. I'm curious whether any additional consumers are being harmed as a result of your lack of research. What I'm interested in knowing is who you spoke with at the creditor 's office when you first began your said investigation. Also, please provide me with their complete mailing address. Furthermore, please do not send your template letter outlining how you conduct an investigation. I'd like to know exactly how you performed this investigation no outlines, specific details. Im sure you are aware that pursuant to Before you can validate a debt, you must first prove five things, the first of which is proving who the original creditor is, in this case, proving that I am the original creditor, which I have done. You can not legally claim to have conducted an investigation unless you conduct a legitimate investigation, such as one for a criminal offense. You need to speak with my friends, neighbors, family members, and me personally. If you have not completed this step, the investigation is not complete. As a result, you do not have any validation. And all info being furnished is supposed to be verified and investigated on before placing on my credit reports, so you have not properly investigated. You are in breach of the law. 
I will leave you with this, under 15 USC 1681b ( a ) ( 2 ) you may not furnish a consumer report without the written consent to report anything on my consumer report. No consent is identity theft. I have not given the written consent to report these late payments on my report. 
Remove all late payments from my consumer report effective immediately. You are in violation. ''

Company response to consumer: Closed with explanation