vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-31 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: MA

Complaint narrative:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be 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 2020-08-31 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: EQUIFAX, INC.
State: MA

Complaint narrative:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: MA

Complaint narrative:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be 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 2020-08-31 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: Nelnet, Inc.
State: MA

Complaint narrative:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts Nelnet LNS. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
I was in a covid 19 forbearance and they reported me late over 90 days to the credit bureaus. I was told that a covid 19 forbearance would not be reported late, it even on their website and its and FHA loan so it's the law. Mr Cooper is the name of the mortgage company but they are also known as nation-star mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC.
State: TX

Complaint narrative:
I have recently checked my credit reports and found a couple of accounts listed as collections accounts that I have no knowledge of. The listed company goes by the name of AFNI, INC. I've checked all of my files and records and was never able to find any bills connecting me with the listed company. I immediately disputed the accounts on XX/XX/20 but received a response that the account was updated with no change. I have reached out again requesting the company send me proof that I was indeed the one responsible for the bill that they claim I owe but still have yet to receive anything. This is affecting my credit in a negative way, and I plan on refinancing my home and as well as purchase a new car for my son who will be headed off to college after his senior year. Please help me get this issue resolved. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: CITIBANK, N.A.
State: MA

Complaint narrative:
How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of  this account.

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 2020-08-31 00:00:00
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Can't contact lender or servicer — 
Company: SUN LOAN COMPANY INC.
State: AL

Complaint narrative:
I had a loan with sun loan /XXXX XXXX XXXX reporting to all 3 credit  bureaus the amount of XXXX I have a validation letter from sun loan stating company was sold and I don't owe debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TX

Complaint narrative:
IC systems which is a debt Collector for XXXX XXXX XXXX XXXX is saying that I opened an account in XXXX. I have not had XXXX since XXXX. The account went into collections in XXXX. They are trying to say I had a XXXX account in XXXX which is false. In the account for {$510.00} went to collections in XXXX, Then it has been over seven years and it should be removed from my credit. I do not keep documentation that its over nine years old. They refused to provide documentation stating that I opened an account in XXXX, because they know its not true. They have no such paperwork in my name because I have not had an account with them since XXXX. This needs to be removed from my account 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 2020-08-31 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: 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 2020-08-31 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: ID Analytics, Inc.
State: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United PanAm Financial Corp.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated
State: NM

Complaint narrative:
Greetings, I'm in dire need of assistance. Since Thursday, XX/XX/2020, I've attempted to set up my debit card account online with EPPICard, to access my unemployment benefits which were deposited to the EPPICard on Tuesday, XX/XX/2020. After entering and submitting all of the information required to establish the account, a notice states " Can not find any client that matches the given biographical information. '' Repeatedly, I've called the number listed on the back of the card which resulted in my being placed on hold for hours at a time. After finally reaching a live person, twice, I was informed that my entered birth date doesn't match what the Unemployment Insurance Division, New Mexico Department of Workforce Solutions submitted. 

As such, I've notified the Unemployment Insurance Division, New Mexico Department of Workforce Solutions of the discrepancy by email, fax and by telephone. The circumstance remains the same, I don't have access to my unemployment insurance benefits that were deposited to my EPPICard account, last Tuesday, XX/XX/2020. I fear that I may lose those much needed funds. I greatly appreciate your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: TX

Complaint narrative:
The company listed above, states that I owe them {$170.00}. I have never had service with the listed company, so I am not sure how they are claiming that I owe this amount. This seems to be a collection company. This company seems like are just trying to collect money from random people. I am requesting help to get this resolved in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SCA Collections, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2020-08-31 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: CA

Complaint narrative:
I am a Victim of Identity Theft and Experian has not been given the protection and service that is required by law for someone who is a victim of Identity Theft once they provide a completed FTC Identity Theft report and valid proof of their identity. 

I have made numerous attempts both over the phone AND in writing to get them to BLOCK fraudulent information ( see the attached for details of the accounts I am referencing ) discovered on my report and all I have received back from them is bogus responses saying that the companies CERTIFIED to them that the information is true and correct. First, they did NOT immediately block the information which they are required to do by law as long as they receive a true copy of the FTC report and valid identification. Second, they sent me a response letter saying that the companies CERTIFIED to them that the information was correct. By law they are supposed to VALIDATE by retrieving and providing ME with a valid contract with my signature on it. They have refused to follow the law and it has hurt both me and my family tremendously by not allowing us the opportunities to rebuild our credit due to these fraudulent accounts keeping my credit score down in the dumps. 

Experian has been horrific with their customer service and their willingness to follow the law, and it HAS TO STOP. I am doing everything I am required to do by law and all I am asking in return is that Experian do the same by BLOCKING the fraudulent accounts which BY THE WAY both XXXX AND XXXX did without hesitation once I notified them because they KNOW and FOLLOW the LAW.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-31 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 constantly reported to Experian that someone was using my information. I gave them a copy of the identity theft report with a copy of my identification and social security card. I disputed the same collection and other accounts that were in my name and they have done nothing about it. We have called them several times and the people that answer are rude and can not offer any assistance on the problem. I have wrote them several times and nothing is happening. I dispute and received no actions. I have done everything that I can possibly do to get this problem resolved and I get nothing. I am frustrated because I am a victim of identity theft and I'm trying hard to clear up my credit. I have placed an identity theft alert and I think that should be fine enough. And the company that has the collection on my file is also tagging late payments on there and they should not be doing this and the people that I talked to at Experian said that they can't put late payments on a collection when there was no agreement to pay.

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 2020-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: NJ

Complaint narrative:
On XX/XX/XXXX I paid this account in full. To my surprise in XX/XX/XXXX it was reported that I was 30 days late. 

How can this be possible. I have email confirming I paid in full on XX/XX/XXXX along with a confirmation number. I disputed with with Timepayment, no one returned my call. 

I disputed through Experian, it came back that timepayment had doubled down on their inaccurate reporting. This inaccuracy has caused my credit score to nose dive and deprived me of getting a car. 

Someone needs to be held accountable.

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 2020-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I constantly reported to XXXX  that someone was using my information. I gave them a copy of the identity theft report with a copy of my identification and social security card. I disputed the same collection and other accounts that were in my name and they have done nothing about it. We have called them several times and the people that answer are rude and can not offer any assistance on the problem. I have wrote them several times and nothing is happening. I dispute and received no actions. I have done everything that I can possibly do to get this problem resolved and I get nothing. I am frustrated because I am a victim of identity theft and I'm trying hard to clear up my credit. I have placed an identity theft alert and I think that should be fine enough. And the company that has the collection on my file is also tagging late payments on there and they should not be doing this and the people that I talked to at XXXX  said that they can't put late payments on a collection when there was no agreement to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Corporation
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivable Solutions, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
I have contacted Mosaic Solar Financing on XX/XX/2020 and XX/XX/2020 to ask them to properly report the loan I have with them on my credit report. They are reporting the loan I have as a Mortgage. It is not, it is a personal loan secured by the Solar Equipment on our home. There is no mortgage with Mosaic Solar recorded against our property. The inaccurate and misleading reporting as a mortgage is causing an issue with my ability to refinance my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo CRD SVC on XX/XX/20 a hard pull was completed on my XXXX  credit file of which i do not recognize I am very upset regarding this pull as it has damaged my score.

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