vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-28 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: TN

Complaint narrative:
Account Name : XXXX XXXX  Account # : XXXX Balance Owed : {$0.00} Dates of late : XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, and XXXX, XXXX, and XX/XX/XXXX. 


I am not sure how I was late in those months. I remember paying this on time for the month of XXXX to XXXX. There were months when I received my statements late, particularly in XX/XX/XXXX. 


Account Name : XXXX  XXXX XXXX Account # : XXXX Balance Owed : {$28000.00} Dates of late : XXXX, XXXX, XXXX, XX/XX/XXXX I was not late in those months. I have always paid this account on time, I might have gotten my statements late, but I've been making payments on this account. 



Account Name : XXXX Account # : XXXX Balance Owed : {$18000.00} Dates of late : XXXX, XXXX, XXXX, XX/XX/XXXX I was not late from XXXX to XX/XX/XXXX. I have paid this on time, I'm not sure how it appears late in my credit report. It did not match with the records that I have from the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Jersey Mortgage Company of New Jersey, Inc.
State: NJ

Complaint narrative:
on XXXX, XXXX, I had been approved for a mortgage from Jersey Mortgage company located at XXXX XXXX XXXX XXXX XXXX, NJ XXXX. Therefore, the closing was scheduled to be held on the XXXX of XXXX. As the seller and I were waiting, 3 days before the closing date, the loan officer has delayed it to the XXXX of XXXX. Thereafter, on the XX/XX/XXXX. He failed to do it and put it on the XX/XX/XXXX then on the XX/XX/XXXX. So the seller didn't agree to give any extension and terminated the contract. I did ask the loan officer the main cause of the contract termination. He told me at first, to pick a ready to move in house next time because this one has to much repairs. When I reported the issue to the CEO of the Mortgage Company , The loan officer got upset, yelling at me, screaming over the phone saying I wasn't supposed to report him. He said again that my lawyer was asking him to terminate the contract. He gave me 3 different reasons that made me confused. In fact, I spent {$2600.00} in home appraisal, cert of occupancy and inspection. 
I did ask him to reimburse me those amount since I wasn't the one who backed off the deal. He said no, and my lawyer didn't take any action even I asked him to do so. 
I hope you understand my complaint and will do the best you can to get an answer to this home contract cancellation matter. thank! I can be reach out at : XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: FL

Complaint narrative:
Hello, there is a debt. collector with the following data : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX They reported a debt. of {$740.00} to Transunion, this information is not true, they said it belongs to XXXX  XXXX, but I don't have this account with them, neither opened and account. 

I disputed twice this information to Transunion, reporting it as fraudulent or incorrect, twice I received the following information ; DISPUTED RESULT : Disputed information was verified as accurate TransUnion investigated your dispute but did not change your information. 

After talking today to Transunion they said they requested more information about this debt. from the collection agency, but they didn't provided any information backing up the amount they are claiming. 

I did search the internet and found out there are a lot of complaints about this company scamming customers. The representative at Transunion said at this point the only way they can remove this information is, if the debt. collector accept that the information was entered by error, or if I report this to Consumer Financial Protection Bureau as a fraudulent transition.

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 2021-05-28 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: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

I demand that these accounts be deleted immediately or I will file 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
Consumer complaint received 2021-05-28 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: NY

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT

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 2021-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
I disputed this company several times and have NOT received any debt validation pursuant to 15 USC 1692g. The company did not give me the opportunity to dispute this debt before inserting it on my credit reports. I've contacted the company many times and have NOT received any response from them in hopes of rectifying this matter. I will also file a complaint with the Federal Trade Commission, XXXX XXXX XXXX, and the Attorney General of your state. I will also seek damages in civil court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: AL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692. I am trying to buy a home. This fraudulent account and fraudulent collection company is destrpying my chance to stop being a renter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: PA

Complaint narrative:
Everytime I called about payment of a debt that was outsourced to them they were rude, they practice illegal/abuse acts and tactics to attempt to collect debts, so we paid the creditor XXXX XXXX XXXX XXXX directly. After paying the creditor we were told by reps from this company that they would not remove. The creditor already assured us that this agency is a 3rd party and they are contracted by the creditor. The creditor informed us that it would be removed. I spoke to 3 reps all who refused to transfer me to a supervisor and were speaking to me in condescending manners/tones also all stating that it would not be removed. I informed each rep that I would contact the CFPB and each time I was responded to with a laugh. Also, I spoke to the creditor who informed me that she spoke to this company directly AGAIN and told them to remove it from our reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: PA

Complaint narrative:
I was a victim of identity.

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 2021-05-28 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: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: CCS Financial Services, Inc.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX ... XXXX XXXX XXXX XXXX Creditor : XXXX XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: AL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692. I am trying to buy a home. This fraudulent account and fraudulent collection company is destrpying my chance to stop being a renter.

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 2021-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
Calvary Portfolio Services purchased a credit card debt in XXXX of approximately {$3000.00}. I reached an agreement with them to pay half that amount in equal monthly payments, which I did. I paid every month, on time, until our agreed upon amount was paid in full. Calvary agreed that once paid, the debt would be removed from my credit report. However, 5 years later, in XXXX, I received correspondence from a different debt collection company claiming they bought the other half of the debt. A few months later, I received correspondence again from Calvary, claiming they had repurchased the alleged remaining debt. I am a resident of California, whose laws prohibit collection of debts over 4 years old. 

To recap, this company breached our agreement by 1 ) reselling the remainder of the debt they agreed to forgive, 2 ) repurchasing that same forgiven debt and trying to collect it after CA statute of limitations had expired, and 3 ) refusing to remove the paid-as-agreed debt from my credit report, even after I disputed the debt. 

These deceptive tactics are damaging to my credit and to me. I completed my part of our agreement. Calvary needs to complete theirs and remove this from my credit report. Furthermore, this company needs to be forced to abide by the law and all consumer protections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I checked my credit report there are accounts under a Bankruptcy that I have never filed. I sent a letter asking Experian, XXXX, and XXXX  to provide a method of verification for these accounts. The letter came back that the courthouse provided them with information, I contacted the courthouse and the courthouse sent verification to me providing the information is inaccurate and false. I sent the letter to Experian, XXXX, and XXXX  showing the information they have is false and not true, they provide no information to any credit bureau. According to the FCRA its against consumer rights to report false, inaccurate, and incorrect on someone's credit report. This information is inaccurate and needs to be deleted and removed.

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 2021-05-28 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: PA

Complaint narrative:
I was a victim of identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: AR

Complaint narrative:
I received a call from a debt collector in late XXXX XX/XX/2021 stating that I owed them money. I requested a validation letter be sent via mail. I have not received a letter as of today XX/XX/2021. Today, XX/XX/2021 I was notified by XXXX  that there was a new collection account negatively marking my credit. I called the debt collector and spoke to XXXX, to ask about the credit reporting and that I had not received a validation letter as of today, she replied and said maam you know you owe this money and it is against the law to send another validation letter. I explained that I have not received anything regarding a debt from them. She then told me that she COULD send me a validation letter IF I set up a payment plan with her. I asked for her supervisor, who did not answer in which I left a message for XXXX XXXX XXXX today XX/XX/2021 at or around 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 2021-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
On XX/XX/21 we suffered damage to our house from a car hitting it. I sent my claim to my mortgage company and they said if the check was under XXXX they would endorse it and mail it back so I then can use that for repairs. Once they got my claim check they told me they changed their mind and are holding the check until I provide more details. I have them all the documents required and they refuse to give me my check. Meanwhile I cant repair my house

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: Navient Solutions, LLC.
State: NC

Complaint narrative:
I had student loan debt. My tax returns were offset and when I retired the payments were garnished from my retirement payments and sent to the treasury department for disbursement for loans. In late XXXX I received a payoff letter. currently I have delinquent loans on my credit report however as of today XX/XX/XXXX those loans are listed with XXXX as having {$0.00} balance. Navient is stating I owe for a loan that XXXX is reporting has {$0.00} balance. Talking to a representative of Navient I was told that the loan was probably transferred to XXXX. If so. why is Navient still reporting on the same loan for the same exact loan type and disbursement date that XXXX is reporting with no balance as of today. Im confused and my credit is bad. The loans are Group ID, XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 06 XXXX  ) XXXX ... XXXX XXXX ( Original Creditor : 09 XXXX XXXX APARTMENTS ) XXXX ... XXXX XXXX XXXX Original Creditor : 01 XXXX  ) 1103****that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation