vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: PA

Complaint narrative:
On the first week of XX/XX/2021 i sent out a debt validation letter and i still have not received a response. According to 15 usc 1692g they were supposed to send validation within 5 days of receipt of this letter which they have not done. This is a violation of the FDCPA. Since they can not verify this ALLEDGED DEBT they are currently violating 15 U.S. Code 1692j by furnishing false and deceptive forms on my consumer report. They are also violating 15 U.S. 
Code 1692f by using unfair practices in trying to collect an ALLEDGED debt as well. I demand this be removed from all of my consumer reports and I demand for this company to stop trying to collect debts that they CLAIM are mine. They are violating many of my right so if not action is taken I will be seeking monetary remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: TX

Complaint narrative:
I have disputed the reporting of Child Support on my credit put by the Texas Attorney general. It is unfair that it is assumed that I have never paid child support. I have provided proof to the attorney general and have requested an investigation by the XXXX  and Equifax, for them to prove I owe this amount of {$8800.00}. All the answers i get are the information is the same. But there is no info on dates delinquent, every month it reports like its month one on my credit. There are amounts paid just a big balance. I have had my wages garnished and I have had my tax refund offset. Now that I am trying to buy a home, to stop renting all my life, I learn a lender will not help me due to the incorrect reporting on my credit report. I dont have money to pay an attorney. The attorney general are not helping me at all with regard to setting up a hearing to provide proof and my side of the story. its not fair how i am treated as a XXXX XXXX mother and refused a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: NC

Complaint narrative:
Follow up on case XXXX and complaint with how it was handled. 

Experian responded that they need my authorization to move forward with complaint. Once I contacted them to authorize this, the representative told me there's nothing she could do and she hung up on me. 

Not only is this unacceptable, it's a demonstrated pattern as this is not the first time one of their representatives has done this. 

The previous addresses need to be removed as I have already shown documentation and proof that I do not and have not lived at any of those locations. 

XXXX XXXX needs to be removed because the Date last Active and Date of Last Payment is not consistent across the bureaus - which will cause it it to be reported longer than acceptable by law. 

XXXX  XXXX has the same issue with Date Last Active and Date of Last payment. 

For the Collection account XXXX XXXX XXXX I have already provided you correspondence DIRECTLY from the furnisher stating that they do not even recognize the account and have no record of me even in their system. This needs to come off. I am tired of disputing this when you have not even made an attempt to treat this situation justly. 

XXXX XXXX, Date last active and date of last payment for the credit card with the {$3300.00} balance same as above. 

XXXX date last active grossly incorrect. 

Attached you will see another copy of my 3 bureau credit report as well as another copy of the correspondence from the company you are keeping on collections.

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 2021-09-01 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: TX

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: OH

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  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 2021-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
Loan owned by XXXX was sold to LoanCare in XX/XX/XXXX. Payments were made to LoanCare in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX I was notified that I was behind in my mortgage payments. It was discovered that the payments were submitted to LoanCare with an incorrect account number provided to me by XXXX. I provided bank statements showing payments made to LoanCare, the amount and the account number submitted. LoanCare opened a research ticket to try to locate the payments. That ticket was closed and in XX/XX/XXXX I was notified again of my mortgage being in default and was approached with a loan modification. I called LoanCare in XX/XX/XXXX and explained the situation again to the representative and again emailed the bank statements showing payment. Representative stated she could do nothing about this and had to escalate to a supervisor. I continued to follow up with LoanCare monthly requesting status of the payments and each time a representative stated they didnt know what was going on and a research ticket would need to be opened. The most recent research ticket # with LoanCare is XXXX. I continue to request an update on this ticket, and I continue to get a response stating, Please allow more time for your request to be completed as it has been forwarded to the appropriate department for research and review. 
Now my loan has been sold again to XXXX XXXX. I made my fist payment to XXXX XXXX and notified them of the situation as I am now showing in default with XXXX XXXX. 
I have provided bank statements to XXXX XXXX as well showing the payments made to LoanCare in 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 2021-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
For the last 10 or so years Midland financial has been attaching derogatory items to my credit report and each time I have disputed the derogatory item and the derogatory item has been removed each time because Midland could never validate the debt. I also sent them a certified letter asking them to validate the debt and send me a contract, etc with no reply. 

Fast forward to the present. I noticed that a little chunk of money was being deducted from my check. I initially assumed that it was due to me changing my health plan. Well, under further investigation I confirmed that it is a wage garnishment from Midland. It has to be a default judgement because I was not aware that there was a court date or a lawsuit against me. The suit is for {$2500.00} I currently do not have nay documents. I did not even receive notice from my employer. MI contacted my employer and they are going to send me whatever documentation they received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: MONEY SOURCE, INC., THE
State: TX

Complaint narrative:
My Mortgage Company has been reporting my forbearance late as much as 150 days late. I have email, and sent letters to the company and all 3 credit bureaus about this being a violation. I have been ignored and the Mortgage company has only fixed one error. once I placed the dispute they changed my payment history from 120 days late to 150 days late. Once I paid and got caught up they sent me a refund check for over XXXX for over payments. They are refusing to correct the late payment history on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: SC

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  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 2021-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. 
I requested an investigation and the removal of the XXXX status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. 
This just proves your lack of proper record keeping. Now, this item is reporting to be late, yet it is closed and the balance is zero. You are required to verify for yourself but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of CLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: AZ

Complaint narrative:
I am writing about some accounts I previously reviewed on my credit report. XXXX XXXX XXXX XXXX XXXX I have reached out to the creditor, notified them that this account was not opened by me and I never used this account. This creditor has not removed this account off my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out to the creditor, notified them that this account was not opened by me and I have never used this account. This creditor has not removed this account off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: AZ

Complaint narrative:
I am writing about some accounts I previously reviewed on my credit report. XXXX XXXX XXXX XXXX XXXX I have reached out to the creditor, notified them that this account was not opened by me and I never used this account. This creditor has not removed this account off my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out to the creditor, notified them that this account was not opened by me and I have never used this account. This creditor has not removed this account off 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 non-monetary relief
Consumer complaint received 2021-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT DUE TO XXXX  CREDIT BREECH. THIS ACCOUNT IS FRAUDULENT. XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX Total balance : {$10000.00}

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 2021-09-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
Sallie Mae and Navient failed to inform me of changes to the ownership and servicer of my XXXX federal student loans ( and apparently deactivated my automatic payments thereon ), thereby preventing me from continuing to make timely monthly payments on those loans, despite my repeated efforts to do so. Please see the attached letter for more information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
transunion, XXXX  and XXXX  has a collection on my reports. thats not mine and they refuse to remove or delete. 
XXXX XXXX XXXX this account is not mine. 
i was not notified of this account. i was not asked to validate if this account was in fact mine. there is no signed contract between me and XXXX XXXX XXXX. with my wet ink signature stating i was/in agreement to pay this collection. this collection is not mine. must belong to someone else with the same name. i couldve been involved in some sort of data breach or cyber hack.

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 2021-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

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 2021-09-01 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: NOVAD Management Consulting, LLC
State: IA

Complaint narrative:
Almost three years since trying to complete the Deed in lieu for mothers home. Novad has been non responsive, lack of caring or considerate. I have requested an update from XXXX XXXX on Monday of this week and he has not responded. 

On XX/XX/2021, at XXXX XXXX, XXXX XXXX XXXX wrote : Good XXXX, We have followed up with the attorney who is reviewing the documents to clear the repurchase issue. Once we receive any information from the attorney I will provide you an update. 


Thank you XXXX XXXX Loss Mitigation Supervisor Novad Management Consulting XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, OK XXXX Email : XXXX Main Phone : ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: N26 Inc.
State: MI

Complaint narrative:
N26 has locked my account and its been locked since XX/XX/XXXX I use this card all the time for online purchases and more. These ppl have locked my card and stated it was because of fraudulent activity when there was none and they have yet to explain where this fraudulent action came from because I sure didnt report to them anything. I was using my card just fine. I ask everyday when they will unlock my money and they wont tell me a time frame they wont answer my questions. I cant even pay my rent because of them!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: VA

Complaint narrative:
XX/XX/XXXX, XXXX sent first letter out to XXXX  and TransUnion ( regular accounts, medical accounts and bankruptcy ) XX/XX/2021 I sent 30 day comply letter ( certified mail ) it is now 3 weeks past the 30 day mark.

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 2021-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES has aN ACCOUNT ON MY CREDIT THEY REFUSE TO REMOVE OR DELETE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Because of the XXXX  credit breach back in XXXX  I had over 43 XXXX XXXX credit cards put into my name I called the company and they said yes because of the breach they would wipe everything out but when I tried to dispute all of them on my credit report it took me over 3 years to get most of them off there are still 6 on there and they will not take them off my credit score has gone down significantly and it was not my fault I have been dealing with this over three years and it has been a struggle

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 2021-09-01 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: MD

Complaint narrative:
Because of the Equifax credit breach back in XXXX  I had over 43 XXXX XXXX credit cards put into my name I called the company and they said yes because of the breach they would wipe everything out but when I tried to dispute all of them on my credit report it took me over 3 years to get most of them off there are still 6 on there and they will not take them off my credit score has gone down significantly and it was not my fault I have been dealing with this over three years and it has been a struggle

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: MD

Complaint narrative:
Because of the XXXX  credit breach back in XXXX  I had over 43 XXXX  XXXX credit cards put into my name I called the company and they said yes because of the breach they would wipe everything out but when I tried to dispute all of them on my credit report it took me over 3 years to get most of them off there are still 6 on there and they will not take them off my credit score has gone down significantly and it was not my fault I have been dealing with this over three years and it has been a struggle

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