vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-21 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: VA

Complaint narrative:
On XXXX, I sent a letter regarding inaccurate and unknown items on my credit report. Til this day, over 60 days later I have not received a repsonse yet. I feel like I am being taken advantage of and ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within a 30 day time frame gives a reason to immediately remove those items from my credit report. It has been over 60 days and should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One 's two step verification process is nonresponsive and would not send the verification code to the landline phone number I have on file. 

today XX/XX/21 I tried contact customer service regarding the issue and recieved no help whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 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: AL

Complaint narrative:
On XX/XX/2021, I sent all three credit reporting agencies a letter about the inaccuracies on my credit profile. It is now XX/XX/2021, and I have not received any results. It has been a total of 4 months with no results. I believe there was a misuse of my credit profile. I sent them all the information they needed, ID, Social Security card, and proof of address. The incorrect information on my credit profile is holding me back from moving forward in life. I can't get a house or credit card due to this. I have done all I can do. please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 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: MI

Complaint narrative:
from : natural person-XXXX  XXXX XXXX to XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX, UNITED STATES, XXXX & XXXX XXXX Compliance Director XXXX XXXX All the entities listed on my credit report are not registered to do business in any of the States abroad. I do not have any debts being owed to any of these entities classified as unregistered unincorporated associations. For example : STATE OF MI/OFFICE CHILD or XXXX XXXX XXXX XXXX XXXX XXXX neither of these entities exist nor are registered to do business in the State of Michigan. 
Another issue is that you are allowing these non-existing entities to use different names with multiple social security numbers and report false debts under these stolen social security numbers. There is only 1 Social Security number/Estate authorized to be used, and that is XXXX. For example : who is XXXX XXXX with Social Security # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX etc. 
Estate-Social Security number XXXX has no debt. Also, these non-existing entities used fictitious physical addresses associated with Corporations only. 
I've uploaded STATE OF MI/OFFICE CHILD and XXXX XXXX XXXX XXXX XXXX record showing no business exist with MICHIGAN DEPARTMENT OF LICENSING AND REGULATORY AFFAIRS.

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 2021-08-21 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
My complaint is against Toyota Financial Services ( Toyota Motor Credits ). 
I have submitted many disputes with XXXX to investigate Toyota who continues to report the wrong information fraudulently on my credit report. 

1- this is a car loan with the first delinquency was in XXXX XXXXXXXX however Toyota keeps reporting this account every month as a charge off with different " 1st delinquency dates '' ( please see attached reports with Toyota showing XXXX XXXX and XX/XX/XXXX as 1st delinquency dates ). Toyota also shows that the last payment I made was in XX/XX/XXXX, but I was serving time in XXXX XXXX since XXXX and no payments were made at all in late XXXX and XXXX. Toyota reports the wrong dates in an attempt to keep the account on the credit report for as long as they could. 

2- Toyota intentionally report their wrong phone numbers or no contact information at all on the credit reports so that no one can reach them. ( please see attachments showing that Toyota have 2 different phone numbers that are not valid and some reports they have no contact information at all or partial address ). 

3- After many attempts trying to reach Toyota financials to discuss this issue, I was informed by Toyota that they do not own this account anymore and that now it's with a collection agency, but yet Toyota continues to claim that this is their account and continues to report my account fraudulently as charge off every month to XXXX XXXX 

4- Toyota fraudulently placed a temp freeze on my credit report account so that it keeps this account on the credit report. ( please see attached file ). 

4- XXXX relies on Toyota to update my account, but XXXX never investigated Toyota to make sure that Toyota is reporting the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 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:
Someone other myself XXXX XXXX XXXX XXXX has tried obtaining credit in my name which I have not authorized and the inquiries need to be removed for the accounts which someone has tried to obtain credit for thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Someone other myself XXXX XXXX XXXX XXXX has tried obtaining credit in my name which I have not authorized and the inquiries need to be removed for the accounts which someone has tried to obtain credit for thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
Convergent Outsourcing has continued to report a debt on my XXXX credit report listing the original creditor as XXXX for a balance of {$660.00}. I mad 2 requests to VALIDATE the debt as belonging to me via certified USPS. On neither attempt did Convergent Outsourcing respond to my request within 30 days of receipt of the request. I then made an appeal to the credit bureau to delete the account from my report due to the failure to validate the debt. At that time XXXX  and XXXX  removed the item however on the XXXX report, Convergent Outsourcing replied with a note to call them directly. My requests for validation in writing have gone unanswered and yet they continue to report to XXXX hampering my ability to financially secure my future.

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 2021-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
Account Resolution Services ( ARS ) has failed to respond my validation of debt letter sent certified mail - XXXX XXXX XXXX XXXX XXXX and they received on XXXX They are furnishing inaccurate information to the credit bureaus and hurting my credit rating!

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 2021-08-21 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: TX

Complaint narrative:
My complaint is against XXXX XXXX XXXX ( XXXX XXXX XXXX ). 
I have submitted many disputes with Equifax to investigate XXXX who continues to report the wrong information fraudulently on my credit report. 

1- this is a car loan with the first delinquency was in XXXX XXXXXXXX however XXXX keeps reporting this account every month as a charge off with different " 1st delinquency dates '' ( please see attached reports with XXXX showing XXXX XXXX and XX/XX/XXXX as 1st delinquency dates ). XXXX also shows that the last payment I made was in XX/XX/XXXX, but I was serving time in XXXX XXXX since XXXX and no payments were made at all in late XXXX and XXXX. XXXX reports the wrong dates in an attempt to keep the account on the credit report for as long as they could. 

2- XXXX intentionally report their wrong phone numbers or no contact information at all on the credit reports so that no one can reach them. ( please see attachments showing that XXXX have 2 different phone numbers that are not valid and some reports they have no contact information at all or partial address ). 

3- After many attempts trying to reach XXXX financials to discuss this issue, I was informed by XXXX that they do not own this account anymore and that now it's with a collection agency, but yet XXXX continues to claim that this is their account and continues to report my account fraudulently as charge off every month to Equifax XXXX 

4- XXXX fraudulently placed a temp freeze on my credit report account so that it keeps this account on the credit report. ( please see attached file ). 

4- Equifax relies on XXXX to update my account, but Equifax never investigated XXXX to make sure that XXXX is reporting the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 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: AL

Complaint narrative:
On XX/XX/2021, I sent all three credit reporting agencies a letter about the inaccuracies on my credit profile. It is now XX/XX/2021, and I have not received any results. It has been a total of 4 months with no results. I believe there was a misuse of my credit profile. I sent them all the information they needed, ID, Social Security card, and proof of address. The incorrect information on my credit profile is holding me back from moving forward in life. I can't get a house or credit card due to this. I have done all I can do. please help me

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 2021-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/2021, I sent all three credit reporting agencies a letter about the inaccuracies on my credit profile. It is now XX/XX/2021, and I have not received any results. It has been a total of 4 months with no results. I believe there was a misuse of my credit profile. I sent them all the information they needed, ID, Social Security card, and proof of address. The incorrect information on my credit profile is holding me back from moving forward in life. I can't get a house or credit card due to this. I have done all I can do. please help me

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 2021-08-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: AZ

Complaint narrative:
I have contacted Flagstar Bank several times this year of 2021 in regards to Flagstar Bank reporting inaccurate information on all three of my credit report this inaccurate information is affecting my credit score. I was told by many of Flagstar Bank Customer service rep & managers that it is not anything they can do to correct any errors or move any money in my account to reflect corrected amounts of payments I have made or dates of when payments were made on my behalf, in due to issue being over 60 days old I was unable to challenge this inaccurate information then I was told I should have called about these items then it was too late to correct their wrongdoings now. in that, they do not have to remove or correct any errors on their behalf they stated that they also can see that I have tried to dispute some of the accounts but only two payments were correct on my XXXX  credit report only # 6 late payments still stays as of today with XXXX  credit report. My XXXX, XXXX  credit reports are also showing # 7 Late payments which this information is not true or accurate.

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 2021-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NH

Complaint narrative:
Like many people I was struggling before the pandemic, but during the pandemic I was unable to make my mortgage payments. I applied for and was granted 12 months of forbearance of my XXXX XXXX mortgage serviced by Mr.Cooper. At the end of the 12 months I was NOT informed that under XXXX XXXX I was entitled to two additional 3-month extensions. When I did apply for those through Mr.Cooper I was told no. When I applied for a Loan Modification I was told no. I was told I could do a Repayment plan, but I would have to pay the outstanding balance of payments due in a lump sum ( in violation of XXXX XXXX  guidelines ). I requested written clarification of why I was not entitled to the extensions and why I was not entitled to a Loan Modification. I also requested an explanation was to why I had to pay back the payments suspended during forbearance as one lump sum. I have received NO written response to these questions from Mr.Cooper. I have however received two letters from XXXX XXXX XXXX informing me that Mr.Cooper has turned my loan over to them for foreclosure. This is extremely frustrating. Why am I being singled out for treatment that violates all of the XXXX XXXX guidelines currently in place? I do not have the money to hire a lawyer to help me with this. However, I am waiting on an inheritance which would allow me to pay the outstanding balance of payments of approximately {$32000.00} in a lump sum. That should be going to probate and should get through probate in 12 weeks or sooner. So if I was actually granted the 2 forbearance extension periods I am legally entitled to I would be able to pay the outstanding balance and make my mortgage payments on time from here on out. But Mr.Cooper would rather drive a XXXX year old woman out of her house and onto the street. Mr.Cooper is also aware that there are 14 old horses on this property that have nowhere to go. Is Mr.Cooper going to pay for their board at another property? Is Mr.Cooper going to have them all destroyed since I can't take them with me to live on the street? Or better yet, is Mr.Cooper going to follow the regulations mandated by XXXX XXXX and give me my forbearance extensions so I can save my home? Please help me. I would rather die than leave my home knowing my horses will all be killed especially when it can all be avoided. I have provided Mr.Cooper with proof of my inheritance. I have provided them with proof that I am serious about saving my home. And yet they can not bother to respond to any of my requests in writing I will be making a copy of this complain and submitting it to Mr.Cooper and to XXXX XXXX XXXX as well. I hope you can help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 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: FIRST ADVANTAGE CORPORATION
State: TX

Complaint narrative:
After applying for an apartment I got an adverse decision response. After reviewing the information I found the report to provide false information, which I suspected was the result of identity theft. The Information has yet to be removed and I continue to get the run around as to the results of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 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: LEXISNEXIS
State: TX

Complaint narrative:
After applying for an apartment I got an adverse decision response. After reviewing the information I found the report to provide false information, which I suspected was the result of identity theft. The Information has yet to be removed and I continue to get the run around as to the results of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 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: TX

Complaint narrative:
I have been disputing inaccurate information being reported to my credit report and XXXX, XXXX, and XXXX  have failed to properly investigate this account XXXX XXXX as per FCRA guidelines and continue to report false information to my 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 2021-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SinglePoint GI
State: UT

Complaint narrative:
I am requesting the register agent and legal address for General Revenue Corp as I am needing to have a constable service serve them a legal affidavit I filed from Third District court. Please provide that information via the CFPB portal. Marking this complaint as a duplicate to avoid being served will be noted in the legal paperwork if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Netspend Corporation
State: NM

Complaint narrative:
My XXXX year old daughter received a prepaid VISA card from NetSpend with {$10.00} on it for her birthday. When we called to try to activate it, we were informed that the card is expired. The expiration date printed on the card is XX/XX/2025, currently three and a half years in the future. NetSpend claims no money was ever put on the card. They offered to send a replacement card, but stated that there would not be any money on it if they did. I asked what good it would be to send me a card with no money on it, but they couldn't answer. I asked what would happen to the money on this card. Would they just keep it themselves? They said there was no money on it again at first, but then said that yes they would keep it for themselves. This company is seizing a child 's birthday gift.

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