vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-06 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:
On XX/XX/2020 I sent letters to the credit reporting bureaus Transunion, XXXX, and XXXX  demanding that they remove all the items I outlined in my letters to them. By law, they are not suppose to furnish a report without my written permission. This is pursuant to 15 usc 1681b ( a ) ( 2 ). None of the bureaus reached out to me to ask my permission to place the derogatory items on my report so therefore I demanded that they delete them from my report immediately. They have not produced any documents that says I gave them written permission to furnish things on my report. More so they also violated my rights to privacy as a federally protected consumer under title 15 chapter 41. They have not responded to any of the letters I sent them so therefore I am launching this complaint against them.

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 2021-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi, My wife and I have sent 2 letters already disputing some items on my credit report and I have not gotten any response or results in the mail. Why is that?? I am working towards buying a home and need these items resolved. I sent a letter on XXXX and also XX/XX/XXXX by us mail. I just faxed one as well this week hoping to get a response. 

Here are the things I am questioning : 1. XXXX XXXX - XXXX - XXXX, XX/XX/XXXX and XX/XX/XXXX late payments don't match across the bureaus. Please confirm the payment history is correct. Please remove this. 
2. XXXX - XXXX - Late payment listed in XXXX XXXX. I don't think that's accurate. I was never late. I believe this is an accounting error. Please remove. 
3. XXXX - XXXX - I do not know who this company is. Please delete. 
4. XXXX XXXX - XXXX - High balance, balance owed & past due does not match on all credit bureaus. Investigate payment history and delete from my record. 
5. XXXX - XXXX - Why is there a high balance listed on this? Cause there shouldn't be. Please delete. 
6. XXXX XXXX XXXX - XXXX - this is the first time i am seeing this. delete this from my report! I never received a notification of this before this ended up on my credit report! 
7. XXXX XXXX XXXX, XXXX XXXX, TX XXXX - I don't live here. Incorrect address. Please delete. 
8. XXXX  - I don't work here. Please remove this. 
9. XXXX XXXX - Please remove this. This is not my employer.

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 2021-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: TX

Complaint narrative:
XXXX XXXX NMLS ID XXXX Producing Sales Manager | Apply Now! 
D : ( XXXX ) XXXX | M : ( XXXX ) XXXX F : ( XXXX ) XXXX E : XXXX Visit My Website : XXXX XXXXXXXX XXXX XXXX by Sun West Mortgage Company , Inc. NMLS XXXX Branch NMLS ID XXXX | XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX This lady listed above was my daughters loan officer. The experience of closing her loan with XXXX was horrible. They were supposed to close on XX/XX/2020. XXXX still hadn't got the income verification form done. She kept saying that the form was filled out wrong and it didn't match the check stubs. So, while my daughter was on the phone with XXXX at my house talking about this form and how to fill it out correctly, XXXX was yelling at her and threatening to cancel the loan. XXXX was yelling at my daughter. I asked XXXX a question and she hung up on us. She then called us back demanding an apology for hanging up. Ummm my daughters phone was laying on the table with XXXX on speaker phone. She was very unprofessional. I would will not send anyone to Sunwest or to XXXX XXXX. For her to yell and threaten us to cancel the loan because we asked questions is CRAZY! and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I have written Transworld Systems Inc several dispute letters that I found online and they have never responded to me at all! They are reporting on my credit and they have not answered my mail! That is a violation of the FCRA, they are violating the FDCPA by not responding to my letters! PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: VA

Complaint narrative:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, DEPT OF ED/XXXX  XXXX, DEPT OF ED/XXXX  XXXX, DEPT OF ED/XXXX  XXXX, DEPT OF ED/XXXX  XXXX, DEPT OF ED/XXXX  XXXX, DEPT OF ED/XXXX  XXXX. 
As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

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 2021-01-06 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: GA

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
Credit Acceptance Corporation fraudulently reported that a payment was made in XXXX of 2020 and then proceeded to report " missed payments '' since then. My understanding is that the account should have dropped off my report at 7 to 7 years and 6 months. It has now been on my report for 7 years and 8 months. Through research I've learned that sometimes companies will record a false payment which causes the 7 years on your report to start over. 

This was a vehicle we helped a family member get and they defaulted. I have been working hard to repair my credit since my divorce, but the actions of this company have been detrimental in repairing my score. In XX/XX/2020, my score dropped 123 points and has had minor drops with each reported " missed payment ''. I had filed a dispute with XXXX, but the company merely made a " correction '' to something and the " correction '' was made on my report. I'm not sure what that correction was, but it was not the issue I am dealing with. 

Here is the company info : CREDIT ACCEPTANCE CORPOR XXXX XXXX XXXX CREDIT DISPUTE DEPT XXXX, MI 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 explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Saturday I was promised that a stop payment would be placed on draft from XXXX XXXX for XXXX dollars, this payment has been trying to be presented since XX/XX/2020 None of either party had tried to contact me and infact my credit card was closed due to the errors of both! 
Yesterday I was hung up on twice by capital 1 XXXX & XXXX! after calling back a third time XXXX tells me I missed it by a matter of minutes? Put the XXXX dollars back into my savings account. I specifically was promised that the draft would be denied and how many times can an item be presented? I also believe that this has affected my credit due to their negligence

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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:
I reviewed my personal credit report after home purchasing consideration, and I found multiple accounts that I did not make being reported on my credit report. 
I was shocked that there were exactly six different accounts that were made fraudulently. 
I had stated that I am not responsible for these financial transaction and I am suffering from an identity theft crime to all three credit reporting agencies. 
XXXX  and XXXX XXXX successfully removed all of fraudulent accounts from my credit report, but Experian is continuing to post one account from XXXX XXXX. I have contacted the creditor directly to validate the account, and they have not provide any of significant evidences or proof that the account belongs to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-01-06 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: RENASANT CORPORATION
State: GA

Complaint narrative:
I reviewed my personal credit report after home purchasing consideration, and I found multiple accounts that I did not make being reported on my credit report. 
I was shocked that there were exactly six different accounts that were made fraudulently.

I had stated that I am not responsible for these financial transaction and I am suffering from an identity theft crime to all three credit reporting agencies. 
XXXX  and XXXX XXXX successfully removed all of fraudulent accounts from my credit report, but XXXX  is continuing to post one account from Renesant bank. I have contacted the creditor directly to validate the account, and they have not provide any of significant evidences or proof that the account belongs to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RENASANT BANK XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: NV

Complaint narrative:
I spoke with a lady named XXXX from Phoenix Financial. I paid the {$140.00} in full on XX/XX/XXXX even though I wasnt made aware that this account existed until it hit my credit. She assured me that I would receive a paid in full letter that would also state that they would remove the collection from my credit report via email within an hour or so. I didnt receive anything. I contacted her back the next day and she said that it takes 24 hours for me to receive the letter. I didnt receive it. I called back and she informed me that it takes 48 hours to receive the letter. Needless to say, I have yet to receive the paid in full letter. I also am worried that they will not remove the collection from my report as promised. I also spoke with a supervisor named XXXX XXXX, who was extremely rude and unhelpful. She didnt want to provide her name nor did she want to provide me with the letter that I requested. A lady named XXXX was extremely helpful with my request for information. All I wanted was to ensure that this situation will be handled as I have worked hard on establishing a great credit history and I dont want it ruined for a debt that I have no clue about that is only {$140.00} that has now cost my score 70 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
SOUTHWEST CREDIT SYSTEMS is report fraudulently on credit bureau. 

Reference Information Given Acct # XXXX $ XXXX Contract Date XX/XX/XXXX XX/XX/XXXX collection date Service Address XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX This account is reporting to credit bureau fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Dispute was filed with company XX/XX/2020 and collection agency has failed to removed account from my credit report. Total amount of debt it {$440.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/2021 I sent a cease and desist, Affidavit of truth, exhibits labeled with violations of the FDCPA, and an invoice invoking my specified remedy pursuant to 15 USC 1692.c ( c ) ( 2 ) as a federally protected consumer and the original creditor. Capital One Is in violation of 15 USC 1692d ( 1 ) as they harmed and ruined my reputation by furnishing negative information on my consumer reports, and used criminal means to further harass and abuse me by selling or assigning the alleged debt to a third party debt collection Agency who further harassed me with unwanted calls and mail without my permission which is also a violation. Capital one furnished bad debt to the consumer reporting agencies ( XXXX, XXXX, XXXX  ) ruining my reputation, credit worthiness, credit standing, credit capacity, character, and my general reputation as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: PA

Complaint narrative:
I've disputed this account every way I know how, and Jefferson Capital has never sent me anything! I have no idea who they are or why they are reporting to the credit bureaus! I have written them several letters demanding that they declare who they are and why they are reporting information about me, and they have not complied! This is a violation of the FCRA! Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii XXXX, which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXXXXXX XXXX  XXXX, DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXX  XXXX, DEPT OF ED/XXXX XXXX, DEPT OF EDXXXX  XXXX, DEPT OF ED/XXXX XXXXXXXX, DEPT OF ED/XXXX  XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/2021 - XXXX XXXX XXXX company was not able to pull my credit report from equifax to approve me for loan - this was attempted at least 5 times. 

My information is all correct and matches the equifax profile when logged in. 

XX/XX/2021 called equifax twice and was told they will not speak with me on the phone and that I need to write a letter with my ID to ask questions about why the mortgage lenders are not able to pull my file. They gave me a 30-40 day turn around time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2020 I sent letters to the credit reporting bureaus XXXX, Equifax, and XXXX  demanding that they remove all the items I outlined in my letters to them. By law, they are not suppose to furnish a report without my written permission. This is pursuant to 15 usc 1681b ( a ) ( 2 ). None of the bureaus reached out to me to ask my permission to place the derogatory items on my report so therefore I demanded that they delete them from my report immediately. They have not produced any documents that says I gave them written permission to furnish things on my report. More so they also violated my rights to privacy as a federally protected consumer under title 15 chapter 41. They have not responded to any of the letters I sent them so therefore I am launching this complaint against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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:
On XX/XX/2020 I sent letters to the credit reporting bureaus XXXX, XXXX and Experian demanding that they remove all the items I outlined in my letters to them. By law, they are not suppose to furnish a report without my written permission. This is pursuant to 15 usc 1681b ( a ) ( 2 ). None of the bureaus reached out to me to ask my permission to place the derogatory items on my report so therefore I demanded that they delete them from my report immediately. They have not produced any documents that says I gave them written permission to furnish things on my report. More so they also violated my rights to privacy as a federally protected consumer under title 15 chapter 41. They have not responded to any of the letters I sent them so therefore I am launching this complaint against them.

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