vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-11 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: SC

Complaint narrative:
This is about the account XXXX XXXX on my credit report. It has been removed from XXXX  but not transunion or XXXX  even after several disputes. This was a fraudulent account and the company agreed to remove it if I paid it off in years ago but after paying it off at the time of agreement they never did. The amounts and dates reported are incorrect from one report to another. Also this account is over 7 years old. Legally with age and incorrect information it should of already been removed. TRANSUNION  information is as follows, closed on XX/XX/XXXX, last reported XX/XX/XXXX, balance XXXX, opened XX/XX/XXXX, On XXXX it states as follows opened date XXXX XXXX XXXX ) XXXX, balance was XXXX XXXX XXXX, highest balance ( XXXX XXXX, status update XX/XX/XXXX with no day of the month. I have disputed this under fraudulent account, company not sticking to agreement, incorrect dates, incorrect balances, and the age of the account which is the reason XXXX deleted it without incident. I am sure it is also on other reports such as XXXX XXXX, and annual credit report. From what I have read it should have been deleted from all of them by law due to the reasons listed above.

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 2021-03-11 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: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
XXXX  is not taken care of the problem of a dispute that I have constantly submitted XXXX  has corrected the problem my issue is what is the issue with XXXX  that they can not get the information correct and update my files such as XXXX  has done it is affecting my score and this needs to be corrected and I'm sick of XXXX  but they're slowness and insufficiency about fixing issues on your credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: NC

Complaint narrative:
I tried to dispute some items with Equifax that I believe to be inaccurate but I received my request back which makes no sense. I have attached all the information I sent as well as proof of what they did. This to me is a way to avoid investigating my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo Bank XXXX XXXX XXXX XXXX XXXX, IA XXXX Re : UNAUTHORIZED HARD INQUIRY RUN ON MY CREDIT On XX/XX/XXXX, and XX/XX/2020 The Wells Fargo Bank ran UNAUTHORIZED HARD INQIURY ON MY CREDIT. THERE ARE TWO INQUIRIES ON XX/XX/XXXX, and XX/XX/2020. 

These are impacting my credit and am unable to obtain needed credit. 

. XXXX*I RESPECTFULLY ASK, REMOVE BOTH THESE INQUIRESS FROM ALL CREDIT BUREAUS IMMEDIATELY - WITH OUT ANY FURTHER DELAY*****

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 2021-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
There is a collection account in my credit file for {$550.00} from Creditors Bureau Associates. I called them and was told that they don't have to verify or validate my dispute ... I called the original creditors and was told that the collection agency never notified them of my request for validation. My dispute letter was received via certified mail by the collection agency at the end of XX/XX/2021. They have not provided me any information to prove that this account belongs to me. I requested a detail billing statement as well as a signed contract or anything that shows my signature for service. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mutual Management Services LLC
State: FL

Complaint narrative:
Mutual Management collection agency in cahoots with XXXX XXXX  XXXX are actively breaking the law by illegally reporting collections on credit reports. 

I cancelled my daughters registration to the daycare and advised the teachers weeks prior to. All childcare was paid and the cancellation was met with so I should not need to pay for a cancellation. That took one of my checks that were on hold in their file and tried to deposit. 

The account was later posted on my credit report for a different amount and I never received any legal Correspondence that such would be reported to the credit bureaus. 

I have continuously disputed this with the credit bureaus and they verify the debt and NEVER provide proof to me. This is illegal, unethical, and is a scam company being run out of a home bedroom. In the last 4-5 years that this has been reported I have been financially affected and I would like to proceed with a lawsuit. I ask the FTC to assist with advising of all the laws broken here. There was No notification sent to me prior to reporting, the amount is not correct, and they do not have my ID/SSN to even prove that I am responsible for any debt. This is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: FL

Complaint narrative:
I have no knowledge of account with we financial, I was victim of identity theft and informed Experian of this. I received letter from company that account would be deleted. Ive attached that letter. However, Experian still reporting

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 2021-03-11 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I MA VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX TransUnion and XXXX CRAS. On XX/XX/2021, I mailed XXXX TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-03-11 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: AMERISAVE MORTGAGE CORPORATION
State: GA

Complaint narrative:
Amerisave Mortgage Re UNAUTHORIZED HARD INQUIRY RUN ON MY CREDIT On XX/XX/XXXX and XX/XX/2020 The above mentioned company ran UNAUTHORIZED HARD INQIURY ON MY CREDIT. THERE ARE TWO INQUIRIES by the same company ran ON XX/XX/XXXX and XX/XX/2020. These are impacting my credit and am unable to obtain needed credit.. 

XXXX**I RESPECTFULLY ASK, REMOVE BOTH THESE INQUIRESS FROM ALL CREDIT BUREAUS IMMEDIATELY - WITH OUT ANY FURTHER DELAY*****

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: NV

Complaint narrative:
I started sending disputes to the three credit bureaus for incorrect negative information on my credit reports. I have not received any type of communication back from the credit bureaus. It is going on day 65 and still no response. I have sent two separate disputes with no answer back. I sent the first round on XX/XX/2021 and the second round of disputes on XX/XX/2021 but still no response.

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 2021-03-11 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: KS

Complaint narrative:
When I took this credit card out I enrolled in an optional insurance program ( a/k/a XXXX '' ) that would payoff the balance should I become unemployed or XXXX. 

While this credit card made a partial payment as I was unemployed waiting on my XXXX to be approved. It has not paid the balance off as stated in the terms and conditions of the optional insurance program ( a/k/a XXXX  '' ). Despite, my sending both doctors reports and a copy of my social security determination showing I am receiving XXXX. 

I have discussed this matter with an attorney that stated this could fall under the " unconscionability '' provision of XXXX XXXX XXXX. XXXX. I do not want to file suit against XXXX. However, if this item is not removed from my credit bureau as it should have been paid in its entirety by the optional insurance program ( a/k/a XXXX '' ) that I enrolled in when I first took out the credit card, I am prepared to file suit. 

I have also been advised that the optional insurance provision ( a/k/a XXXX '' ) could invalidate the contract because a contract requires offer, acceptance, and valuable consideration. When the credit card was taken out, the optional insurance program served as valuable consideration to my acceptance of the credit card. 

This item needs to be deleted from my credit bureau as I do not owe a balance. The responsibility to ensure accurate credit reporting. Including, disputes regarding the optional insurance program falls on the credit reporter. In this caseXXXX XXXX and their failure to do so, could be a violation of the Fair Credit Reporting Act as well as Regulation Z.

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 2021-03-11 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: KS

Complaint narrative:
When I took this credit card out I enrolled in an optional insurance program ( a/k/a XXXX XXXX' ) that would payoff the balance should I become unemployed or XXXX. 

While this credit card made a partial payment as I was unemployed waiting on my XXXX to be approved. It has not paid the balance off as stated in the terms and conditions of the optional insurance program ( a/k/a XXXX '' ). Despite, my sending both doctors reports and a copy of my social security determination showing I am receiving XXXX. 

I have discussed this matter with an attorney that stated this could fall under the " unconscionability '' provision of XXXX  XXXX XXXX. XXXX. I do not want to file suit against XXXX However, if this item is not removed from my credit bureau as it should have been paid in its entirety by the optional insurance program ( a/k/a XXXX  '' ) that I enrolled in when I first took out the credit card, I am prepared to file suit. 

I have also been advised that the optional insurance provision ( a/k/a XXXX '' ) could invalidate the contract because a contract requires offer, acceptance, and valuable consideration. When the credit card was taken out, the optional insurance program served as valuable consideration to my acceptance of the credit card. 

This item needs to be deleted from my credit bureau as I do not owe a balance. The responsibility to ensure accurate credit reporting. Including, disputes regarding the optional insurance program falls on the credit reporter. In this case, XXXX  and their failure to do so, could be a violation of the Fair Credit Reporting Act as well as Regulation Z.

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 2021-03-11 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: Finance of America Holdings LLC
State: GA

Complaint narrative:
Finance of America Re : UNAUTHORIZED HARD INQUIRY RUN ON MY CREDIT On XX/XX/2020 The above mentioned company ran UNAUTHORIZED HARD INQIURY ON MY CREDIT. 

THIS INQUIRY ran ON XX/XX/2020. This is impacting my credit and am unable to obtain needed credit. 

XXXX*I RESPECTFULLY ASK, REMOVE THIS INQUIRY FROM ALL CREDIT BUREAUS IMMEDIATELY - WITH OUT ANY FURTHER DELAY*****

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
As of XX/XX/2021 Experian is not allowing me to provide additional information regarding a disputed item. The dispute says submitted but when I return to the dashboard it has not been submitted. The account in question has been removed by XXXX and XXXX and it is unfair and discriminatory not to remove it and not to allow me an opportunity to provide documentation.

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 2021-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
This account has been resolved and has a - $ XXXX balance. It has been paid off with XXXX. Any questions can be referred to their attorney XXXX XXXX at XXXX This was for a Walmart credit card. 

Please show the account closed with a $ XXXX balance as this has been resolved with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I have two different collection accounts on my credit report from the same company. When I contacted Medical Data Systems I was told that the two account balances are all one account and that the account had to be paid at once and not separately, meaning that one couldn't be paid without paying the other. The first things that popped into my mind was if it's one account with the same date of service, then how is it legal to put it on my credit report twice? The account have been satisfied, but I haven't received any paperwork showing that the accounts are {$0.00} Balance. All I have to show is that is was drafted from my account. They gave me a shady response of not sending out receipts to customers which is really confusing. These accounts are paid and need to be deleted from my credit file being that they put two different accounts on my credit file when it's all one account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
To Whom It May Concern : I would formally like to file a complaint against Wells Fargo. In 2020, during the early stages of COVID, I went through a furlough at my job. Due to me being out of work I contacted Wells Fargo in XX/XX/2020 to request a deferment on my MTG account, for 6 months. I was granted the 6-month deferral and immediately after those 6 months expired, I resumed making my payments as of XX/XX/2020. Once I resumed making my payments I reached out to Wells Fargo and advised them that I had resumed making my payments. I was told that until all paperwork was completed for the deferment period, payments could be made ; however, they would not be applied to my account accurately until all paperwork was finalized and updated due to the deferral request. I have continued to make my payments on time since XX/XX/2020 through this present day. I have continued to call Wells Fargo numerous times each month to ask how long it will take to get my account back to normal. I have been promised so many different dates that I have lost hope in my account ever being fixed. This is not only affecting my credit reporting but it is also preventing me from being able to refinance my current home and from also trying to buy a new home. It is so hard to believe or understand why it has been 4 months and counting and this issue still has not been resolved. I keep getting tossed around to different people and it seems no one knows what they are doing. I need for this issue to be resolved immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11 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: AMA Advisors, LLC.
State: GA

Complaint narrative:
Home Bridge Financial Services Re UNAUTHORIZED HARD INQUIRY RUN ON MY CREDIT On XX/XX/2020 The above mentioned company ran UNAUTHORIZED HARD INQIURY ON MY CREDIT. 

THIS INQUIRY ran ON XX/XX/2020 is impacting my credit and am unable to obtain needed credit. 

XXXX***I RESPECTFULLY ASK, REMOVE THIS INQUIRY FROM ALL CREDIT BUREAUS IMMEDIATELY - WITH OUT ANY FURTHER DELAY*****

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: KS

Complaint narrative:
This account has been resolved and has a - $ XXXX balance. It has been paid off with XXXX. Any questions can be referred to their attorney XXXX XXXX at XXXX This was for a XXXX credit card. 

Please show the account closed with a $ XXXX balance as this has been resolved 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 2021-03-11 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: KS

Complaint narrative:
This account has been resolved and has a - $ XXXX- balance. It has been paid off with XXXX Any questions can be referred to their attorney XXXX XXXX at XXXX This was for a XXXX credit card. 

Please show the account closed with a $ XXXX balance as this has been resolved 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 non-monetary relief