vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
Date : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Illegal collection Activity through US Mail Repeated collections letters Debt is over XXXX years old.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: UT

Complaint narrative:
Equifax & XXXX is violation of 15 U.S Code 1681i ( XXXX ) ( B ) ( ii ) ( XXXX ). These items was deleted and you reinserted them without notifying me XXXX business days after and certifying that the items was validated properly. 

and failure to respond in 30 days FCRA Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to Equifax & XXXX to report anything on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: UT

Complaint narrative:
XXXX & Experian is violation of 15 U.S Code 1681i ( XXXX ) ( B ) ( ii ) ( XXXX ). These items was deleted and you reinserted them without notifying me XXXX business days after and certifying that the items was validated properly. 

and failure to respond in 30 days FCRA Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to XXXX & Experian to report anything on my consumer 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 non-monetary relief
Consumer complaint received 2022-02-01 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: WA

Complaint narrative:
Equifax refuses to update my name, after submitting the name change under dispute electronically and via snail mail for a total of at least 4 times I legally changed my XXXX XX/XX/XXXX. 

XX/XX/XXXX Electronically submitted my court name change document at XXXXXXXX XXXX Dispute # : XXXX This dispute was closed with ZERO notification of result ( they did NOTHING ) XX/XX/XXXX Snail mailed : Court name change, DOL, Social Security letter to me Equifax XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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 have written several letters over the last few months to the creditors as well as to the bureaus about lates that were reported on my credit during the pandemic, that the creditors had agreed verbally over the phone to give me a deferment on the payments due to covid. The lates are inconsistent and not correct, I have attached a screen shot of my report for you to see. 

The lates have drastically dropped my scores preventing me from getting approved for business loans and credit. 
I read about the care act listed below and am reaching out to seek your help. 

Section 4021 of the CARES Act amends the Fair Credit Report Act ( FCRA ) to address coronavirus-related accommodations made by furnishers. New FCRA 623 ( a ) ( XXXX ) ( F ) requires a furnisher making a COVID-19 related accommodation on a consumer 's loan account to report the account as current unless the account was delinquent prior to the accommodation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NH

Complaint narrative:
Company involved is Nationstar DBA Mr. Cooper and the nature of my complaint is I am being double-billed in transfer between mortgage servicers. 
On XX/XX/XXXX I made the last payment ( due XX/XX/XXXX ) to the prior servicer XX/XX/XXXX On XX/XX/XXXX I received notice from XX/XX/XXXXthat the loan was scheduled for transfer to Mr. Cooper, effective XX/XX/XXXX. 
On XX/XX/XXXX I received a notice from Mr. Cooper welcoming me to their servicing of my loan. 
On XX/XX/XXXX I received an incorrect notice from Mr. Cooper that a payment was due to them XX/XX/XXXX - note that this is PRIOR to the effective transfer date and redundant with payment already made XXXX XXXXXXXX XXXX. 

I made a manual payment to Mr. Cooper XX/XX/XXXX, for the actual payment that was due XX/XX/XXXX, out of concern that the autopayment process would not be set up in time for the XX/XX/XXXX due day as I had been recently transferred. 

On XX/XX/XXXX an autopayment to Mr. Cooper did occur. I consequently later called to reverse one of the two duplicate payments, XX/XX/XXXX and XX/XX/XXXX, which were both for the payment due XX/XX/XXXX. 

Since this reversal Mr. Cooper believes I am one month behind on my payments despite consistent payment at the beginning of every month ever since. 

The source of this problem is the erroneous double-billing for the payment due XX/XX/XXXX, which was DUE PRIOR TO MY TRANSFER and which had ALREADY BEEN PAID TO THE PRIOR SERVICER I had a 2 hour phone conversation on XX/XX/XXXX during which a representative repeatedly failed to acknowledge my concerns and merely repeated Mr. Cooper 's erroneous information. I was told a manager would look into this and I would hear back. I did not ever hear a response. 

XXXX weeks later I submitted a written complaint to the company. They again stated they would look into the complaint and I would receive a response in 7 business days. They eventually did respond merely with a reiteration that their information was correct- without actually providing any information to contradict any of my claims- and that my loan payment made XX/XX/XXXX had been applied to the payment which had been due XX/XX/XXXX ( which retains a 1 month inaccuracy which has persisted ever since my original transfer ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
contacted fortiva to cancel a credit card that isnt used anymore ( after one purchase from early 2021 ). i was told the card AND annual fee would be cancelled and to not worry. XX/XX/XXXX i got a statement from fortiva with the annual fee AND a late fee. i called customer service right away and was told as long as i pay the annual fee, theyll waive the late fee. unfortunately i didnt get a confirmation from the first call because the person sounded like they wanted to die or something and probably gave the wrong information since clearly that annual fee was still on the account. current customer service rep said the account is shown as closed but the annual fee is still up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize or give direct consent to any companies or third parties to access information on my consumer reports which withhold pertinent information. They used false and misleading forms to fraud and swindle me which resulted in adverse action. They deprived me of my right to privacy. Because of my right to privacy has been breached this has caused me a great deal of emotional distress. EXPERIAN is conspiring with the furnished company in the continuing violation of my constitutional protection rights. The banking system is dependent upon my consumer reports being fair, and accurate to me. You allowing inaccuracies to be furnished on my consumer reports has caused me to lose confidence in the banking system and as a result I will no longer be extending my credit to anyone, nor will I allow you to furnish a report on my behalf. 

I have attached FTC fraud reports and FTC Identity theft reports, Affidavit of truth and my identification to prove it is I, who has submitted this complaint. 

I will be sending a copy of this CFPB complaint to the Attorney General and all attached documentation as proof that EXPERIAN, CEO and Registered Agent has been made aware of the consumer laws being violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my third complaint today regarding Experian. This is not a duplicative complaint. I called Experian twice today. Each time I was on a very long hold and subsequently disconnected. After speaking with a dispute agent, the call makes a static noise, then I can no longer hear the agent. Moreover, Experians global website indicates the dispute department closes at XXXX XXXX, in each time zone. I called back a third time before XXXX XXXX PT. After an excessive hold time, I got to an agent in XXXX XXXX and said Im no longer allowed to file a dispute today because it is after the XXXX XXXX cutoff time. This is due to no fault of my own. I did, in fact, call before XXXX XXXX Its not my fault the hold time is excessively long. This is clearly an unfair business practice and a potential violation of the FCRA because I am essentially being denied my legal right to file a fraud dispute. Experian is making it very difficult to get to an agent within a reasonable time frame form the onset of a telephone call. I will file a complaint with the FTC, XXXX  and state attorney generals office.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: FL

Complaint narrative:
Complaint # XXXX Complaint # XXXX Complaint # XXXX I recently submitted a complaint and I guess because I know the credit laws, they assumed it was not me and that it was someone else. Not every consumer is stupid about our rights. It was really me. Please re-open these 3 complaints. I still want this resolved. I'd be happy to send my picture or whatever is needed. Obviously, if you mailed me a letter, it is me who received it. I will be waiting for the answer to my originally submitted complaints. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N 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 COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX CREDIT CARD SERVICES ACCOUNT XXXX ACCOUNT CLOSED XXXX CHARGED OFF. 
PLEASE PROVIDE A VALIDATION LETTER TO SHOW I SIGNED FOR THIS ACCOUNT. PLEASE FURTHER SHOW THE SECURITY DEPOSIT IF ANY WAS PLACED BY MYSELF. 
I have recently been informed by looking at my credit report that this information shows charged off. Then it shows further payment in the amount of XXXX is due. I am unaware of any amount owing on this secured credit card. Upon looking up this company they are virtual and online. Proof of my signature authorizing this account to be open is required in this validation request. Please validate my signature and or the open secured account. Please further have this company show their XXXX as charged-off with bad debt. In absence of any such documentation bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 15 days to as per the CFPB as per the FCRA section 623 ( a ) ( 3 ) and I am keeping a careful record of your actions. This is also a violation of the FTC which is failure to show proof of my identification IE signature it is Defamation, Negligent Enablement of Identity Fraud and Violation of the FCRA. This is my last and final attempt this will be added to a court order to ensure my rights are being properly enforced.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: GA

Complaint narrative:
I filed a Identity theft report to remove the fraudulent items from my credit report due to ID theft, requesting the items be blocked within XXXX hours due to fraud. The company refused to block the fraudulent items and refused to investigate the items. I am requesting in writing that the credit reporting agencies block the fraudulent inquiries and accounts from my credit file. 

The company refused to update the 30 day late on my credit file. I had XXXX XXXXXXXX in XXXX of 2021. The mortgage on my credit report is reporting late I have a letter from the lender that I was on an extension and was never late. This is affecting my credit score and ability to obtain credit in my name. The Equifax confirmation number is XXXX, XXXX file number XXXX, I do not. have the XXXX report number. I have been kidnapped and I explained that to the agent and they refused to removed the items. My social, drivers license was stolen during the time. The people who had it done went to jail but they sold my identity. I feel the credit bureaus are discriminating me because I been kidnapped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
I filled a dispute in regards to the incorrect items on my credit report is has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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:
Complaint # XXXX Complaint # XXXX Complaint # XXXX I recently submitted a complaint and I guess because I know the credit laws, they assumed it was not me and that it was someone else. Not every consumer is stupid about our rights. It was really me. Please re-open these 3 complaints. I still want this resolved. I'd be happy to send my picture or whatever is needed. Obviously, if you mailed me a letter, it is me who received it. I will be waiting for the answer to my originally submitted complaints. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: FL

Complaint narrative:
Complaint # XXXX Complaint # XXXX Complaint # XXXX I recently submitted a complaint and I guess because I know the credit laws, they assumed it was not me and that it was someone else. Not every consumer is stupid about our rights. It was really me. Please re-open these XXXX complaints. I still want this resolved. I'd be happy to send my picture or whatever is needed. Obviously, if you mailed me a letter, it is me who received it. I will be waiting for the answer to my originally submitted complaints. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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:
Equifax violated my consumer rights under title 15 USC 1681a and 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX is reporting on my credit profile inaccurate payment history. The accounts listed are paid on time XXXX XXXXXXXX and 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 non-monetary relief
Consumer complaint received 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX is reporting on my credit profile inaccurate payment history. The accounts listed are paid on time XXXX  XXXX and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: MT

Complaint narrative:
The Experian credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed a Identity theft report to remove the fraudulent items from my credit report due to ID theft, requesting the items be blocked within XXXX hours due to fraud. The company refused to block the fraudulent items and refused to investigate the items. I am requesting in writing that the credit reporting agencies block the fraudulent inquiries and accounts from my credit file. 

The company refused to update the 30 day late on my credit file. I had covid 19 in XXXX of 2021. The mortgage on my credit report is reporting late I have a letter from the lender that I was on an extension and was never late. This is affecting my credit score and ability to obtain credit in my name. The XXXX confirmation number is XXXX, XXXX file number XXXX, I do not. have the Experian report number. I have been kidnapped and I explained that to the agent and they refused to removed the items. My social, drivers license was stolen during the time. The people who had it done went to jail but they sold my identity. I feel the credit bureaus are discriminating me because I been kidnapped.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01 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: Credit Karma, LLC
State: NY

Complaint narrative:
Credit Karma is reporting my credit usage as fair rating and high impact which is inaccurate.

Company response to consumer: Closed with explanation