vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ULRS, Inc.
State: CA

Complaint narrative:
Moving company moved me and stole several tools. I disputed the cost of moving with my credit card company after movers refused to reimburse for stolen tools. Dispute was denied by moving company and charge was reapplied to my credit card. Moving company sent my account to United Legal Group for debt collection. 

Debt collectors harassed me and threatened me. I provided multiple documents showing debt was paid in full. They told me they were closing my case and agreed account was paid in full. Then I received notice that my account was reported to credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I made report of identity theft to law enforcement dated XX/XX/2021 police report number XXXX. Identified on this report were seven ( 7 ) counts of collections reported fraudulently on my personal XXXX and EQUIFAX credit bureau reports. 

On XX/XX/2021 I certified mailed to all three bureaus a copy of the official police report, three forms of official picture identification, proof of address, my social security number, and a letter noticing the bureaus of documented fraud and identity theft. 

Previous fraud alerts and FEDERAL TRADE COMMISION affidavits of identity theft existed on my credit reports. I requested that the fraudulent derogatory entries listed in the police report be removed. 

In violation of applicable laws to include FCRA violations, XXXX  and EQUIFAX replied to me in writing stating that they would treating my identity theft matter as an informational dispute as, according to FCRA regulations, I did not include a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX and XX/XX/2016. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 30 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 30 days so they should be promptly deleted. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
US DEPT OF EDU Account # XXXX Account # XXXX STATE OF MD Account # XXXX Account # XXXX I did not open these accounts. I was never made aware of the opening of these accounts. I have never knowingly paid any money toward these accounts. These fraudulent accounts are being inaccurately reported by XXXX, Transunion, and XXXX. US Department of Education and State of MD CCU are harassing me for payment but have never responded to my disputes or validated these debts. It has been well over 60 days since I disputed these accounts. I have not received a response. Remove these account immediately or I will sue. My right to privacy has be violated repeatedly. I have not gave anyone permission to furnish this information on my consumer report. My information has been violated by the XXXX Data Breach. I am a victim of identity theft. This information needs to be removed 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 explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I took a personal loan of {$20000.00} from my local and personal branch of Wells Fargo Bank ( XXXX XXXX  XXXX, XXXX, VA ) in XX/XX/XXXX for 48 months. Even though I had a " very good '' credit score, I agreed to Wells Fargo 's 13.49 % interest rate. The first payment of {$460.00} began on XX/XX/XXXX. At the origination of the loan, I was told that I could make extra payments toward the principal once the monthly payment was satisfied. My plan was to strive to discharge the loan earlier than the four years. I have never defaulted in my payments. During the first 4-5 months in the life of the loan, I made substantial payments toward the principal. No interest was levied on the amount that was designated toward the principal. Also, notice in the attached payment record that Wells Fargo charged me more interest during the initial few months when I started making the monthly payments. I assumed that was normal as the interest was levied on the initial {$20000.00}. Out of the blue, I received a letter from Wells Fargo indicating that beginning XX/XX/XXXX, I would no longer be able to make principal only payments without interest being charged even after satisfying the regular monthly payment of {$460.00}. I called the loans department a couple of times to register my displeasure at this new policy, which was being forced on me. I would not have signed for the loan if that was included at the origination of the loan. The lame excuse given was that some customers were not able to make their payments and this was to help everybody ( really? ). I further met with a banker at my branch to discuss this new rule with no satisfactory resolution. I am only asking Wells Fargo to stick to its initial agreement with me in respect to being able to make principal payments without any interest after honoring the regular monthly payments. This bank is known for its predatory lending practice against ordinary citizens. I'm a disaffected customer. Thanks, XXXX, XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom it may concern : I submitted two dispute letters certified mail acting in good faith, showing delivered on XX/XX/XXXX, and the other on XX/XX/XXXX. I am disputing four derogatory remarks on my credit report that are inaccurate, fraudulent, invalidated, unverifiable and accounts that were open and compromised due to Identity Theft. I was a victim of Identity Theft in XXXX and XXXX. I sent Transunion and XXXX  a validation of debt letter, police report and I also requested how did they verify any debt belongs to me. Not only did they fail to provide to me how they validated the debt. They also failed to provide me how they verified the debt. It's been over 45 days with no results. I reached out directly to all of the CREDITORS involved in the dispute regarding these accounts and they have all failed to validate or verify any debt as accurate and failed to provide me with proof of my signature. Please explain to me how can you validate any debt when the creditor has failed to validate any debt? Not only did Transunion and XXXX and the Creditors break many laws, they are reporting inaccurate information and not living up to its rightful duty to report accurate information and serve the consumer justly. Please DELETE and remove these accounts from my credit report immediately. This is frustrating and you are giving me a hard time and breaking laws and subject to Civil liability. Im acting in good faith once again. Ive attached all the supporting documents : FTC Report, Police Report, Receipts of letters, Receipts of letters delivered successfully. See below accounts in dispute XXXX XXXX Account Number : XXXX This account is inaccurate. The Debt does not belong to me. I do not validate this debt. Update the report to positive/current or delete from my credit report. 

XXXX XXXX Account Number : XXXX I do not validate this debt. This account does not belong to me, delete this account. 

XXXX XXXX Account Number : XXXX This account is inaccurate, unverifiable, missing information, incorrect balance and compromised due to identity theft. I do not validate this debt. Remove from my credit report. 

XXXX Account Number : XXXX This account is inaccurate and a fraudulent account. This account does not belong to me. I do not validate this debt. Please delete from 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 2021-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The reason I'm filing this complaint is because I have inaccurate and unknown things reporting on my credit report. I ask the credit bureau to investigate within 30 days as the law requires and I have not heard anything back from credit bureaus as of todays

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: TX

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Unifin Inc.
State: FL

Complaint narrative:
I am furious that this company has continued to repeatedly attempt to contact me after i've sent them a cease and desist letter. Under the FDCPA 15 usc 1692c it is my right to cease all communication with a debt collector, and in that letter I also invoked my specified remedy that this company cease all communication with me and any other person regarding this debt through any medium ( which includes mail, phone, and credit reporting ). This company has violated my rights by continuing to send me letters stating that I owe something. This company has communicated with another company regarding my personal information after I did not give them consent to do so. And under law any medium is any direct or indirect communication. This company has also violated my rights under 15 usc 1692d by continuing to harass me after i told them to stop contacting me. This company has also failed to report to the 3 nationwide credit reporting agencies that they have sold my information to another company, especially without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am submitting this complaint because I am being extremely affected by CREDIT COLLECTION SERVICES , INC, They are being completely unfair and I dont know how to get ahold on them but through this portal. 


I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

I got no notices to my new address despite giving original creditor ( XXXX ) my new address. I was told there were no bills due at time. At my new address I had comcast address and paying my bills, no one told me about anything being past due from my prior address. 


As a last resort prior to taking legal action, Im submitting this complaint to see if CREDIT COLLECTION SERVICES, INC, is willing to resolve this matter by remove tHE account from all credit bureaus. 


My account is : Account number : XXXX. 
Open date : XX/XX/. 
Balance : {$0.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
These inquiries i do not recognize or authorized and would appreciate them being removed. 

XXXX- XX/XX/21, XX/XX/21, XX/XX/21 XXXX- XX/XX/21 XXXX- XX/XX/21, XX/XX/21 XXXX XXXX- XX/XX/21 XXXX- XX/XX/21 XXXX XXXX- XX/XX/21 XXXX XXXX- XX/XX/21, XX/XX/21 XXXX- XX/XX/21 XXXX XX/XX/21 XXXX- XX/XX/21

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 2021-09-06 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: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
I had several accounts charge off I paid off for deletion and the charge off still on my credit as well as some accounts report that should be deleted and report wrong. This has take a toll on me mental where I cant even get loan for my business. Ch XXXX need be taken off because I never went through it. XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amsher collection report collection that was false took my score down 70 point. I paid them also old account. This has effect me I work so hard pull up my score and it has not help I paid over XXXX in charge off and still reports negative as well repo that was sold and not liable for should be Delete instead report negative against me a lot the info is wrong my report I have disputed it all three credit bureaus and still no action on their part

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I had been using the automated telephone system to get assistance from customer service whenever I needed assistance. Often times they were very intrusive with the amount of information that they request to verify your account even though you are typically being transferred through the automated system to a rep after having verified your account. 

Date of birth, last four of you San and sometimes full ssn, your card account number, address, verification of your photo ID through a text system ... etc. At times you are forced to give all if this information. 

While I understand that this is for your own protection and agree that their has to be a standard to do so, I feel the process at times is too intrusive. 

This company also would not allow for you to go into an actual branch to verify yourself with an ID if you felt uncomfortable giving so much info over the phone ( was told that was not an available service ). 

After feeling as if my privacy was being invaded by too many CSR 's, and after speaking g with several fraud specialist, I was finally told of the option to verify me through the mobile app. This seemed less intrusive but at times some CSR 's won't utilize that option.

It leaves the consumer feeling completely harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2020 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
i have a money transfer on my bank names Chase bank it was made two transactions first on XX/XX/XXXX {$360.00} and the second one {$240.00} on XXXXXXXX XXXX.I already reported this to my bank no ones gon na help me They told me report this to police i know my transactions and that one is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Since XX/XX/2021 I have been filing a dispute with all XXXX credit bureaus and in particular 2 accounts have still not been investigated that is XXXX with all 3 bureaus and XXXX AND XXXX XXXX with Transunion. I have attached every dispute that has been sent to all 3 bureaus for these accounts. I also specified in each dispute the errors and discrepancies that are being reported. This is clearly a violation on so many levels as a consumer with not opening an investigation and not removing the inaccuracies being reported. Included also is my Driver 's license, utility bill and ssc for proof of my identity. Please considered this my written authorization for an investigation. At this point the bureaus have passed the timeframe given by the FCRA for an investigation. If I have to I will go as far as getting a consumer attorney and filing a civil suit. Please remove these items from my report immediately. 


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 2021-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Since XX/XX/2021 I have been filing a dispute with all 3 credit bureaus and in particular 2 accounts have still not been investigated that is XXXX with all 3 bureaus and XXXX AND XXXX XXXX with XXXX. I have attached every dispute that has been sent to all 3 bureaus for these accounts. I also specified in each dispute the errors and discrepancies that are being reported. This is clearly a violation on so many levels as a consumer with not opening an investigation and not removing the inaccuracies being reported. Included also is my Driver 's license, utility bill and ssc for proof of my identity. Please considered this my written authorization for an investigation. At this point the bureaus have passed the timeframe given by the FCRA for an investigation. If I have to I will go as far as getting a consumer attorney and filing a civil suit. Please remove these items from my report immediately. 


Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC
State: NV

Complaint narrative:
I need a copy of my Reverse Mortgage. I have spent many hours on hold trying to talk to a customer service agent. All they can pass along a message, Still no phone call to get the copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Since XX/XX/2021 I have been disputing with XXXX XXXX XXXX and they have not opened an investigation on this account at all. Equifax is in clear violation of my consumer rights and not honoring the FCRA rules regarding timely investigation. Attached is proof of my disputes that have been sent to Equifax since XX/XX/2021. At this time I am requesting complete removal due to passing timeframe of investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: TN

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation