vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-25 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 — Problem with personal statement of dispute
Company: Continental Services Group, Inc. d/b/a ConServe
State: GA

Complaint narrative:
I submitted a dispute through XXXX for a collection account that was paid off same year that it was reported. The collection was for an amount of {$380.00} and was paid in full in XXXX. I contacted ConServe to request that they remove this from my credit report. They denied the request stating this was in their policy. I do not agree with ConServe constant reporting to the credit bureau if it has already been paid in full and closed. 

I also attempted to have XXXX XXXX XXXX removed an account that had 2 missed payments. The account was closed and paid in full in XXXX. I also attempted to called but received a rejection notice. 

These two accounts are the only 2 accounts that are preventing me from getting a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Credit Bureau Central Inc (MS)
State: CA

Complaint narrative:
In accordance with fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy. 
15 USC 1681 section 604A section : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : a Creditor may not treat a payment on 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 2022-05-25 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: GA

Complaint narrative:
15 U.S.C 1681e ( b ) Accuracy of report.

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Accounts should be reporting 100 % accurate information across all XXXX credit Bureaus ( XXXX, Transunion and 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 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LDF Holdings, LLC
State: SC

Complaint narrative:
I requested debt validation with this company via certified letter on XX/XX/2022. I gave 30 days notice for the company to respond and provide me with the information that I requested. My letter was very clear and concise. I asked for the company to provide me with true debt validation IN WRITING : My letter also states : " Until proper validation is provided, you are to cease all collection efforts. '' I also requested in my letter that no telephone contact be made by the company, and that any correspondence with me MUST be done in writing via USPS. 

The company has ignored my requests, and has repeatedly attempted to contact me via telephone. I have also received XXXX emails from different email addresses that seem to be referencing this alleged account. 

I have received nothing from this company in writing. 

The first email was sent on XX/XX/2022. In that email, it states that multiple phone call attempts to collect this alleged debt have not been successful. This email is threatening in nature. This email goes on to say that my alleged balance can continue to accrue interest and fees which will raise the alleged balance. This email does not give an alleged amount owed. 

The second email was sent on XX/XX/2022, and this email only suggested that I start a dialog with this company online to settle an alleged past due balance. Again, no amount owed was included in the email. 

The last email I received was on XX/XX/2022. This email stated the company was reaching out to me to invite me to their new online platform that would allow me to settle my alleged account, set up a payment plan for the alleged account, or pay off in full the alleged amount owed, which is still unknown as it is not included in this email. There is a link that says " Click here to Make an Offer. '' The company continues to ignore my requests, and the company has failed to provide me with validated debt that they claim I owe them. The company continues to harass me via telephone and email every week, and the company continues to provide inaccuracies, unverified, and invalidated debt to credit reporting. 


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Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: WI

Complaint narrative:
I want somebody to please pay attention to my letters and the proof I keep sending in!!!!! I sent XXXX letters and I'm not getting any help with my credit reports. 
I am having a few problems with Equifax because they are ignoring my letters and the evidence that I mailed in. I'm trying to buy a house and Equifax is stopping me because so many problems with my credit report. I hope this agency is able to help me with my consumer rights because I am being ignored by Equifax. 

# 1 Problem with Equifax is I sent a letter to equifax on XX/XX/XXXX asking them to remove someone else name and date of birth from my credit report and they did not delete the incorrect names or birthdays. I sent my driver 's license and utility bill so they can correct my name, birthday and address and Equifax FAILED to make the corrections. My credit report dated XX/XX/XXXX is attached still showing someone else name, birthday and addresses on my credit report. I want this deleted right away! Equifax has no excuse to have somebody else information on my credit report. 

# 2 Problem with Equifax is On XX/XX/XXXX I sent Equifax a letter and a copy of my credit report with my driver 's license again because someone else accounts are on my credit report. Equifax claimed they verified this but it's impossible because I know for a fact the account not mine. I wrote a letter to XXXX to get information on the account and they did not send me anything either. XXXX is on my credit XXXX  times and I never been to XXXX College of Wisconsin. I also wrote to Equifax and XXXX XXXX because this account also belongs to someone else and XXXX and Equifax is still ignoring me. 

# 3 Problem with Equifax is 2 Collection accounts XXXX  XXXX  XXXX is showing 120 days late. XXXX  XXXX  XXXXis also showing 120 days late on my credit report. I wrote to Equifax and asked them to delete this and again, my letter was ignored. I wrote to the collection agency also and asked who the original creditor is and how are they reporting a collection account 120 days late because I know I read something that said a collection account cant be reported late on a credit report because thats against the law but Equifax and XXXX ignored my letters. My credit report is still showing this collection account as late. 

# 4 Problem with Equifax is that I sent Equifax another letter on XX/XX/XXXX about the accounts still being on my credit report after I provided proof that the accounts couldnt be verified accurately and my letters keep getting ignored. Equifax did not respond to my letter and none of these collection companies responded to my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: DC

Complaint narrative:
XXXX XXXX has been violating me and has willfully continued to do so. After multiple consumer reports this item has yet to be removed or corrected. every item that's on my consumer reports suppose to be reinvestigated so how am I still recognizing inaccuracies. 

15 U.S.C. 1681n ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( a ) ANY ACTUAL DAMAGES SUBSTAINED BYT THE CONSUMER AS A RESULT OF THE FAILURE OR DAMAGES OF NOT LESS THAN {$100.00} AND NOT MORE THAN {$1000.00}, WHICH EVER IS GREATER ;

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 2022-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC
State: TX

Complaint narrative:
.I filed my orginal claim against this company because they where reporting inaccurate information on my report which they refused to verify belong to me. They responded via CFPB that they would cease all collections activities on the account and I have attached the letter. The same day the repeated harrassed me calling me multple times. I have attached the screenshot. The lady called the first time and I amsweredtelling her not to call back. As you can see they called again and I did not answer. I told the lady on there recorded line they should not be contacting me and it was illegal. She advised she would place me on A DNC list but according to the orginal response from ERC that was already suppose to be done. Another law broken from this company. I have reached out to an attorney to pursue legal matters since they have knowingly harrassed me after There should have been no contact noted in the orginal response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
these accounts are in violation of 15 usc 1681 e b- accuracy of a report, states the furnisher/consumer reporting agency is responsible for reporting maximum possible accurate when it comes to a consumer ( me ) report. I sent a dispute letter displaying this information and saying it needs to be removed due to inaccurate reporting of multiple items causing my credit report to not be accurate : payment status, account status, date opened, account #. 
these accounts all have multiple inaccurate information that the bureaus are not be held liable for reporting accurately. 
XXXX, XXXX XXXX XXXX, Original Creditor the unauthorized use of my information under 15 U.S. Code 1602 ( p ), I did not authorize nor do i have actual accounts from these implied cardholders. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- 15 usc 1666 b- timing of payments. 
I sent in as well a dispute letter stating I have never received a statement from them 21 days before I am to pay my statement and on top of that when I did receive it which is usually 5 days before its due if it was to come in a negative form I would've paid it, but it came in a positive form. They reported XXXX late payments are not accurate because the bureaus didn't hold the furnisher 's responsible for upholding the laws provided. These were all that I have attempted to resolve multiple times to dispute with the XXXX bureaus and they told me these items were validated even after detailed descriptions of the fcra/fdcpa laws and what my credit report reflected. So that i dont have to continue housing a inaccurate report causing me a great deal of distress, I demand these items be removed from my credit report and I be sent from each bureau an updated credit report reflecting changes made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: MO

Complaint narrative:
these accounts are in violation of 15 usc 1681 e b- accuracy of a report, states the furnisher/consumer reporting agency is responsible for reporting maximum possible accurate when it comes to a consumer ( me ) report. I sent a dispute letter displaying this information and saying it needs to be removed due to inaccurate reporting of multiple items causing my credit report to not be accurate : payment status, account status, date opened, account #. 
these accounts all have multiple inaccurate information that the bureaus are not be held liable for reporting accurately. 
XXXX, XXXX XXXX XXXX, Original Creditor the unauthorized use of my information under 15 U.S. Code 1602 ( p ), I did not authorize nor do i have actual accounts from these implied cardholders. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX co- XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- 15 usc 1666 b- timing of payments. 
I sent in as well a dispute letter stating I have never received a statement from them 21 days before I am to pay my statement and on top of that when I did receive it which is usually 5 days before its due if it was to come in a negative form I would've paid it, but it came in a positive form. They reported XXXX late payments are not accurate because the bureaus didn't hold the furnisher 's responsible for upholding the laws provided. These were all that I have attempted to resolve multiple times to dispute with the XXXX bureaus and they told me these items were validated even after detailed descriptions of the fcra/fdcpa laws and what my credit report reflected. So that i dont have to continue housing a inaccurate report causing me a great deal of distress, I demand these items be removed from my credit report and I be sent from each bureau an updated credit report reflecting changes made.

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 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX  # XXXX, XXXX XXXX, XXXX XXXX  # XXXX 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25 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:
In accordance with the Fair Credit Reporting act XXXX  XXXX # XXXX, XXXX XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX  has violated my rights. 

XXXX5 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
This person scammed me into sending them a payment for a dog I did not receive. I cant believe someone would do this to someone else its the worst thing you can do. They sent me a legit contract and we made an agreement they asked me questions, I even submitted an application. They completely lied about who they are and what they do. They need to be shut down they are running a complete scam illegally on this website please shut them down they are lying about everything. I contacted CitizensBank to request my money back which is when I used to send the money to this fraudulent person. I let them know that this was a scam and then I would like to request my money back and they refuse to give me back my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Application XXXX was signed on XX/XX/2022 after meeting mortgage broker XXXX XXXX ( Bank employee ). Fixed Interest rate was promised between 2.75 % to 2.87 %. XXXX XXXX confirmed verbally he had a budget to reduce the interest rate offered on paper which was displayed at 3.25 %. 

We were told the next step would be home valuation and credit check. The check did occur but the valuation didnt despite many follow ups with the Bank XXXX 

After a month, the Bank informed us that a new application had to be done. The application was done, a new credit check was conducted and the home appraisal was made ( paid by me XXXX $ ). The rate on the new application was promised to be the same as mentioned above locked between 2.75 % to 2.87 % however the paperwork showed a different amount. 

After many phone calls, emails and conversations with XXXX XXXX where I requested for the interest rates on the paperwork to match what was promised, the case was moved to different employees finally landing on XXXX XXXX XXXX who confirmed the only interest rate that the Bank could offer was circa 5 % APR which was much higher than the beginning. 

According to the evidence, I believe the Bank is at fault because 1 ) XXXX XXXX offered an interest rate which was not correct 2 ) The Bank employees failed to clearly state the mistake had been made by replying to my emails XXXX ) The Bank asked the costumer to do XXXX applications for unknown reasons 4 ) XXXX credit checks were conducted which impacted my credit score 5 ) Most phone calls and emails to XXXX XXXX remained unanswered 6 ) The time lost in this process made me lose the opportunity to refinance my loan which caused my monthly payments to remain high 7 ) The Valuation was paid by myself for XXXX $ which seem to be lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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:
THIS SERVES AS AN ADDENDUM TO REPORT NUMBER XXXX. SUBMITTING SUPPORTING EVIDENCE REGARDING 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 2022-05-25 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: CA

Complaint narrative:
My name is XXXX. My husband, XXXX who is a XXXX vet, loss income in XXXX due to COVID. We managed to pay the mortgage until savings depleted. Then had no choice but to apply for COVID hardship in XX/XX/XXXX. 
XXXX XXXX Loss Mitigation approved us for COVID-19 forbearance which stated that any suspended payments would be added to the maturity date of the loan and no lates would be reported to credit agencies. 
XX/XX/XXXX, we regained income XX/XX/XXXX resumed payments and have since paid timely XX/XX/XXXX received notice to pay missed payments and when we contacted the collection company, they said that the mortgage company showed us as owing a balloon payment. We have tried calling XXXX XXXX to figure out how this happened, but lines are always busy. 
XX/XX/XXXX account sent to collections and 30 day late reported to credit agencies. We contacted a HUD XXXX XXXX who placed several calls/messages to XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX to explain that late/suspended payments due to loss income as a result of the pandemic are not supposed to be reported to the credit agencies. 
XX/XX/XXXX, and XXXX XXXX, called again. Was able to speak to Loss Mitigation XXXX ( XXXXXXXX XXXX  XXXX ) who research our account and explained that someone pushed a payment deferral which caused the problem. 
XX/XX/XXXX Problem still not fixed and collections continues to report late payments to credit agencies. PLEASE HELP US.

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