vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XX/XX/XXXX I submitted a dispute concerning a chapter XXXX bankruptcy which was discharged in 2012. By law a chapter XXXX bankruptcy can stay on your report only 7 years.

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 2021-07-28 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: EQUIFAX, INC.
State: WI

Complaint narrative:
XX/XX/XXXX I submitted a dispute concerning a chapter XXXX bankruptcy which was discharged in XXXX By law a chapter XXXX bankruptcy can stay on your report only 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need 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 2021-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TrueAccord Corp.
State: TX

Complaint narrative:
This company contacted me via their various alliases. I asked them to provide a validation and they produced a letter from another company. I do not know this company never had a relationship with this company and believe that they are attempting to extort me for monies I am not responsible. They should not have my information and they are attempting identity theft. They have absolutely no reason to be contacting me as I have requested validation on XX/XX/2021 they sent a fraudulant email on XX/XX/2021 not only totally out of compilance of their governing bodies compilance and procedure but not validation of all requested information and keep attempting to defraud and educated consumer. Enclosed you will find all of my exhibits and invoice. My certified copy is enclosed as I know the legal progess starts in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: LEXISNEXIS
State: MO

Complaint narrative:
LexisNexis is in violation of the FCRA 15 U.S. Code 1681b ( a ) ( 2 ) 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) 15 U.S. Code 1681o ( a ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Westlake Services, LLC
State: TX

Complaint narrative:
XXXX XXXX is the definition of a predatory lender and should be closed down. The company violated every consumer law possible. I have listed the violations : 15 usc 1692b ( 2 ) 15 usc 1692b ( 5 ) 15 usc 1692 c ( a ) 15 usc 1692c ( b ) 15 usc 1692c ( c ) 15usc 1692 d ( 2 ) 15 usc 1692d ( 5 ) 15 usc 1692 e ( 2 ) ( a ) 15usc 1692 e ( 7 ) 15 usc 1692 f ( 1 ) 15 usc 1692 j ( a ) 15 usc 1666 d ( c ) 15 usc 1692h lawful refund of payments

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 2021-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I have been trying to get an auto mobile loan. And I have been told that I have 4 auto repossessions on my credit reports. I only have 2. While one was due to a probation violation and the car was returned still new with less than 2000 miles. In applying for a loan at XXXX  I was quoted a lower down payment. and was told after that I had put in the wrong social security number. I found that impossible when I had reviewed my report with one of there sales people on the girls day off. This has been happening to me for sometime. I believe my score is being deliberately shown wrong. I have been told that each loan I have been applying for the dealerships are being contacted by either a state or federal official. I believe requesting they make the loan unachievable or denied. My loan with XXXX XXXX is a paid as agree loan and is showing as a closed account. I have been having to rent a car for work at almost XXXX  wkly in order to get to work. one of my XXXX XXXX accounts was closed due to my banks changed routing number that most places say do not exist. And also after contacting the CFPB in regards to a collection account from XXXX XXXX  and going through the process and offering a fair settlement and refused was removed from my credit profile. And then just showed back up.

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 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Mid-South Adjustment Co., Inc.
State: AR

Complaint narrative:
I sent an Affidavit of Truth stating that Mid-South Adjustment CO. and XXXX XXXX XXXX violated 15 USC 1692c ( 3 ), 15 USC 1692d ( 2 ), 15 USC 1692b ( 2 ), 15 USC 1692f ( 1 ), 15 USC 1692e ( 2 ) ( A ), and 15 USC 1692e ( 3 ). I would like to state that Mid-South Adjustment COXXXX and The XXXX XXXX XXXX have violated my rights as a protected consumer under 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX is the definition of a predatory lender and should be closed down. The company violated every consumer law possible. I have listed the violations : 15 usc 1692b ( 2 ) 15 usc 1692b ( 5 ) 15 usc 1692 c ( a ) 15 usc 1692c ( b ) 15 usc 1692c ( c ) 15usc 1692 d ( 2 ) 15 usc 1692d ( 5 ) 15 usc 1692 e ( 2 ) ( a ) 15usc 1692 e ( 7 ) 15 usc 1692 f ( 1 ) 15 usc 1692 j ( a ) 15 usc 1666 d ( c ) 15 usc 1692h lawful refund of payments

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 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX is the definition of a predatory lender and should be closed down. The company violated every consumer law possible. I have listed the violations : 15 usc 1692b ( 2 ) 15 usc 1692b ( 5 ) 15 usc 1692 c ( a ) 15 usc 1692c ( b ) 15 usc 1692c ( c ) 15usc 1692 d ( 2 ) 15 usc 1692d ( 5 ) 15 usc 1692 e ( 2 ) ( a ) 15usc 1692 e ( 7 ) 15 usc 1692 f ( 1 ) 15 usc 1692 j ( a ) 15 usc 1666 d ( c ) 15 usc 1692h lawful refund of payments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX is the definition of a predatory lender and should be closed down. The company violated every consumer law possible. I have listed the violations : 15 usc 1692b ( 2 ) 15 usc 1692b ( 5 ) 15 usc 1692 c ( a ) 15 usc 1692c ( b ) 15 usc 1692c ( c ) 15usc 1692 d ( 2 ) 15 usc 1692d ( 5 ) 15 usc 1692 e ( 2 ) ( a ) 15usc 1692 e ( 7 ) 15 usc 1692 f ( 1 ) 15 usc 1692 j ( a ) 15 usc 1666 d ( c ) 15 usc 1692h lawful refund of payments

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 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me from moving forward with my life, so that I may provide for my wife and children. I don't have a home, a car, no credit because of this problem. Please I ask that these fraudulent items be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
Hello ... I have a mobile banking account with an online banking company called Current. My issue is that there was an unauthorized charge to my account of {$390.00} from some travel company called XXXX ... I filed a dispute on that unauthorized charge on XX/XX/2021. Turns out, on XX/XX/2021 I get an email from the mobile bank Current saying that my dispute has been closed, with no errors found, and therefore no credit will be issued to me. The bank ruled in favor of the unknown merchant, nor did I not find any further suppport from this bank and they just will not do anyyhing further, and I unjustly lost {$390.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
This just proves your lack of proper record keeping. Now, this item is reporting to be 30 days past due, yet it is closed and the balance is XXXX Lets correct this or otherwise remove it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
I have a commercial loan I closed w a broker in XXXX of XXXX through XXXX. Both XXXX and my broker told me multiple times it would not show up on credit bc it was a commercial loan. Both their websites actively advertise this. 
Anyway everything was fine until my loan was sold to shellpoint mortgage out of XXXX. They are reporting my commercial loan on personal credit as of this month. 
Shellpoint mortgage said they can bc I am a guarantor. I paid over $ XXXX to buy down loan and have a prepayment penalty. Either the broker and XXXX actively lied to me or Shellpoint is in the wrong. I need to know who and how to resolve.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of identity theft & the person is completing applications in my name without my permission. I have included my identity theft 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 2021-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
my name is XXXX. i had this collection pop up on my credit i already disputed it with XXXX XXXX and XXXX and NATIONAL CREDIT ADJUST mailed a bill of a credit card bill.. but the bill is over 10 years old.. debt can not collect on a old debt plus the debt is not mine. it belongs to another XXXX XXXX my ideniity has been stolen i have police report and i have extended fraud alerts.. 

i want this company to remove this item off my credit or else i will hire a fcra attorney and sue why not free money this is last time ill dispute this next time im sueing remove today Account Details Account Number XXXX Date Opened XX/XX/2021 Last Activity XX/XX/2021 Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Monthly Payment {$0.00} Term Source Type Current Rating Collection/Charge-off Status Open Type Individual High Balance {$860.00} Unpaid Balance {$860.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Account Information Disputed By XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, KS XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Visio Financial Services Inc.
State: CO

Complaint narrative:
I have a commercial loan I closed w a broker in XXXX of 2021 through Visio. Both visio and my broker told me multiple times it would not show up on credit bc it was a commercial loan. Both their websites actively advertise this. 
Anyway everything was fine until my loan was sold to XXXX XXXX  out of XXXX. They are reporting my commercial loan on personal credit as of this month. 
XXXX XXXX said they can bc I am a guarantor. I paid over $ XXXX to buy down loan and have a prepayment penalty. Either the broker and Visio actively lied to me or XXXX is in the wrong. I need to know who and how to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I received a XXXX XXXX XXXX XXXX which led to XXXX XXXX XXXX after my XXXX XXXX XXXX of almost 2yrs. It was towards the end that my Servicer was told by Bank to recall the note and STOP accepting payments which they did. I have an electronic trail of their rejection and receiving of my continuous months, years, decades prior. 18 years Ultimately, they did Foreclose, ( reason used was I ABANDONED my property while I still lived therebWAS ON IT. XXXX, Not XXXX  XXXX, but my physical body was AND all they took my home. And sold it while I was in it the VERY SAME DAY a Tuesday. 
Sheriff came and New owners KEPT EVERYTHING I OWNED after living there over 18 years, including my pets! Putting me a XXXX  person out on the street to walk away, me not knowing anything. 
As My immediate family had began to pass away a couple years prior to my XXXX  XXXX, the rest of my immediate family at the onset of my XXXX  XXXX, then up thru my first thru 6th quarters of my XXXX, XXXX, Leaving me all alone with no where to turn. It was only the fact I was on auto payments that they did not have a real cause to Foreclose. I had been on auto pay for everything because was most convient. 
I was raised by my grandparents but knew and visited regularly my biological parents as they began to pass first before my Injury. As I couldn't even think to go to my adopted parents funerals. As I was not only in shock but still in shock at this happening now almost two years ago. But now I am able to think and realize this has got to be wrong. They took my home and EVERYTHING I OWNED BY NEW OWNERS. I had valuable stuff as my extra homeowners insurance can show and I had EQUITY. I'm still basically out in the heat and cold waking up to a nightmare reality. 
PLEASE SOMEONE WHAT CAN I DO?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Account Name : JPMCB - CARD SERVICE Account Number : XXXX Date Opened : XX/XX/2018 Balance : XXXX Reason : Identity theft Please remove it from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: MO

Complaint narrative:
Good day and thank you for reviewing my complaint. 
Recently I checked by credit report and found that the company XXXX ( now with collections company Convergent Outsourcing ) had put a derogatory marking on my report regarding an account I had with them that ending in XX/XX/2018. I have documentation showing I paid for my monthly service as normal however the last payment that I made to them ( on XX/XX/2018, screenshot of a text confirmation is provided ) was never reflected on statements thereafter. I cancelled by service with XXXX 4-5 days before my next billing cycle would begin. In essence, I should have had a prorated adjustment to my account and that didnt happen either. I was no longer in contract for mobile service with XXXX and I didnt have cell phones that were in contract with them either. I have enclosed copies of my XXXX statement, copies of my XXXX statement showing when I transferred service and a screenshot of the text payment confirmation. I talked with someone back in XXXX after cancelling my service and thought this was resolved. I have no idea why 2 years later this showing up on my credit report. This issue has put a negative baring on my credit report and am furious about it since I am in close marking to having excellent credit. This report made my rating go down XXXX points! I dont believe I owe XXXX anything thing. I would be greatly appreciative into looking at this dispute and discrepancies. Thank you in advance for your time and research.

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 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX will not investigate my file they keep saying to provide new info.. i keep sending new info and they dont do anything.. i need a human to look at my file and not no e oscar machine.. 

if XXXX does not fix my problem i will have to sue with my fcra attorney help a regular person out that needs help Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX DOB : XXXX SSN : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Dear XXXX : I received the credit report you have on file for me, and it contained the following inaccurate information : Creditor : XXXX XXXXXXXX XXXX XXXX, Account : XXXX Reason : I've submitted CFPB complaints against you because you're still reporting accounts that are the result of identity theft Creditor : XXXX XXXXXXXX XXXX XXXX, Account : XXXX Reason : I've submitted CFPB complaints against you because you're still reporting accounts that are the result of identity theft Creditor : XXXX XXXXXXXX XXXX XXXX, Account : XXXX Reason : I've submitted CFPB complaints against you because you're still reporting accounts that are the result of identity theft Creditor : XXXX XXXX XXXX, Account : XXXX Reason : I've submitted CFPB complaints against you because you're still reporting accounts that are the result of identity theft Creditor : XXXX XXXX XXXX XXXX Account : XXXX Reason : I've submitted CFPB complaints against you because you're still reporting accounts that are the result of identity theft Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX ), Account : XXXX Reason : I've submitted CFPB complaints against you because you're still reporting accounts that are the result of identity theft Creditor : XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ), Account : XXXX Reason : I've submitted CFPB complaints against you because you're still reporting accounts that are the result of identity theft However I was in contact with the creditor who has verified that this information is inaccurate. As such, it should be removed from my credit report. I am requesting that you reinvestigate this item and remove it from my report as soon as possible. 

[ INCLUDE CONTACT INFO FOR THE CREDITOR WHO CAN VERIFY THE INACCURATE INFO, OR INCLUDE OTHER PROOF OF THE INACCURACY ] Thank you for your prompt attention to this matter. 

Sincerely, 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