vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc.
State: LA

Complaint narrative:
Lockhart Morris & Montgomery , Inc. at XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX has been sending me collection notices in the amount of {$6300.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: Credit Plus Inc
State: NY

Complaint narrative:
CREDIT PLUS, INC is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX, XXXX  and XXXX consumer report on XX/XX/2019 without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b.

I have not initiated any transaction with CREDIT PLUS, INC. Further, I do note have an account as defined under 15 U.S.C. 1693a ( 2 ) with CREDIT PLUS, INC for review or collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I initiated an external account transfer for {$1500.00} within the Bank of America Prepaid App. I have used this account a few times over the last decade, since the Employment Development Department here in California requires that all claims are paid to a specific type of prepaid Bank of America Account ONLY. My first time using my account was XX/XX/XXXX ; I enrolled in XXXX XXXX XXXX  through the XXXX department of the EDD when my daughter was born. It was during my first enrollment that I had used a XXXX XXXX Checking account as the linked external account, solely for the purpose of being able to transfer and access my funds. When I transferred money XX/XX/XXXX, the Bank of America system reverted my then-recently updated XXXX XXXX  Account back to XXXX XXXX, and it transferred the money with just one click ( it didnt allow me to review the details at all ; it didnt even ask me to confirm the request. It just sent it, and luckily I noticed the last 4 digits of the account were NOT correct. I called BofA immediately, and was told wait a few days and the money should come back to the account. Well, the money never showed back up. I finally filed a real complaint XX/XX/XXXX and it has been more than 30-45 business days that I was told was needed for the claim investigation. I also requested a copy of the investigation file, since I have never received any correspondence whatsoever in any format from Bank of America, either electronically or standard mail, and I needed some peace of mind. The last time I spoke with someone from BofA, I was told that the funds would be returned to me in just a couple days. Help!!! I want my money back!!!

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 2021-02-18 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:
EXPERIAN IS HARASSING ME. I AM RECEIVING DAILY EMAILS AND WRITTEN CORRESPONDENCE. PLEASE STOP HARASSING ME. 

ALSO, their investigation into the same 2 accounts has not lead them to make any changes. Experian has proof that an account they are reporting was sold to a collection agency, yet they are still reporting it under the original creditor. XXXX. I HAVE SENT PROOF TO CFPB and EXPERIAN of such information. EXPERIAN continues to investigating this account and not finding the new owners of the account, I called and was told this months ago. ONCE YOU SELL SOMETHING, YOU NO LONGER OWN IT. EXPERIAN REFUSES TO REMOVE THIS particular ACCOUNT BECAUSE THE NEW OWNER the collection agency, XXXX sold my account to and who has contacted me for payment is UNABLE TO REPORT IT. LOL! 

ACCEPTANCE NOW HAS AGREED TO REMOVE MY LATE PAYMENT. MY account should have never been reported late, it never was late, this was clearly an error and Experian will not remove it. I SENT DOCUMENTS VIA THEIR ONLINE DISPUTE page, after they told me I could not dispute the account again. WHY am I unable to dispute this account when I have information that the account is being removed. THEIR INVESTIGATION RESULTS CAME DAYS AFTER ACCEPTANCE NOW HAD EMAILED ME, THAT THEY WOULD REMOVE IT. IF EXPERIAN INVESTIGATED IT, HOW COME THEY WERE NOT AWARE IT WAS BEING REMOVED? 

I also can't call EXPERIAN, they have my SS # flagged, but they harass me, daily, in wriiten hard copy via USPS and electronic form. STOP SENDING ME THIS 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 2021-02-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
XXXX XXXX  XXXX. dba XXXX with no ownership sold my property to HSBC BANK USA , National Association as Trustee for XXXX XXXX XXXX  XXXX , XXXX, Mortgage Pass-Through Certificates, XXXX XXXX XXXX. 
Next they got XXXX, XXXX, XXXX, XXXX and XXXX XXXX involved, and now HSBC BANK USA , National Association as Trustee for XXXX XXXX XXXX  XXXX , XXXX owns my home. 
Next they are trying to evict me. I am XXXX years old, with XXXX XXXX XXXX and XXXX XXXX. 
I am trying to avoid catching the Corona Virus. I like to get a stay from Court hearings till XX/XX/2021 to avoid exposure to this Virus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: CA

Complaint narrative:
AFNI keeps calling me about a debt it claims that I owe. I do not owe AFNI any money for any debt to AFNI or any other debt collection agency. Just this past month, AFNI reported this nonexistent debt to my three credit reporting agencies, and my XXXX score tumbled by 35 points. I've disputed AFNI 's claim with all 3 credit reporting agencies, but I want to report it to CFPB to get them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent a letter a letter to Equifax disputing a PO Box address on my account that does not belong to me. I have also forwarded them a copy of my Drivers License that shows my correct home and mailing address. They have refuses to remove the address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have sent a letter a letter to XXXX  disputing a PO Box address on my account that does not belong to me. I have also forwarded them a copy of my Drivers License that shows my correct home and mailing address. They have refuses to remove the address.

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 2021-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Transunion. Is the only credit reporting agency with outdated information and has additional inquiries which have been disputed before this complaint. I also want to know why they have supplied credit report to businesses without my consent even after I requested for credit freeze.

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 2021-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I contacted Transunion and asked them to update my credit file there are several accounts that are well over seven years old that should have dropped off. Transunion refused to remove the accounts.

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 2021-02-18 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: DE

Complaint narrative:
XXXX. Is the only credit reporting agency with outdated information and has additional inquiries which have been disputed before this complaint. I also want to know why they have supplied credit report to businesses without my consent even after I requested for credit freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: DE

Complaint narrative:
XXXX. Is the only credit reporting agency with outdated information and has additional inquiries which have been disputed before this complaint. I also want to know why they have supplied credit report to businesses without my consent even after I requested for credit freeze.

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 2021-02-18 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:
XXXX, TransUnion and XXXX  are reporting incorrect accounts on my credit report. Here are a few details that you should be verifying are accurate : Account Number Creditor Name Open Date Charge off Date Payment History Borrower Names Balance I wrote a letter each of the three credit bureaus stating Ive found incorrect information that needs to be removed. XXXX XXXX, XXXX and 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 2021-02-18 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: 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 identify 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: U.S. BANCORP
State: OR

Complaint narrative:
I have recieved a Garnishment order, witholding notice, and a false bill of collections in regards to my Child Support and my recently completed Trademark. It is out of state it's dated XXXX XXXX XXXX XXXX dollars. My child support case is in XXXX OR and has been closed XX/XX/XXXX. The paper work is poorly margined inconsistent ink printing the addresses and letter heading is wrong. Alongside with a false pass due bill for my Trademark that was cleared by the UPSTO demanding XXXX dollars. These letters are coming congruently and money is dissapearing from certain accounts in a very sneaky like manner.

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 2021-02-18 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: AL

Complaint narrative:
On XX/XX/2021 I sent documents disputing multiple fraudulent inquiries associated with my credit report. Ive sent dispute letters to the TRANSUNION bureau. Below are the inquiries and dates they took place. I would like these removed from my credit as soon as possible. XXXX  XXXX  /AUTO XXXX XXXX XXXXCredit union XXXX XXXX/Finance  XXXX XXXX  XXXX/AUTO XXXX XXXX  XXXX  XXXX/Bank XXXX XXXX  XXXX/Bank  XXXX XXXX  XXXX  XXXX/Bank  XXXX XXXX XXXX XXXX/Finance  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX/Bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/Bank 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 2021-02-18 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: AL

Complaint narrative:
On XX/XX/2021 I sent documents disputing multiple fraudulent inquiries associated with my credit report. Ive sent dispute letters to the EQUIFAX bureau. Below are the inquiries and dates they took place. I would like these removed from my credit as soon as possible. XXXX  XXXX XXXX XXXX XXXX XXXX/AUTO XXXX XXXX XXXXCredit union XXXX XXXX/Telephone  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX/Pers.Loan XXXX XXXX  XXXX  XXXX/AUTO XXXX XXXX  XXXX  XXXX/Finance  XXXX XXXX  XXXX XXXX/Bank  XXXX XXXX XXXX XXXX XXXX/Pers.Loan XXXX XXXX XXXX/Pers.Loan  XXXX XXXX  XXXX/XXXX  XXXX XXXX XXXXXXXX XXXX/Pers.Loan XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX is claiming that I owe them {$2500.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-18 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX/XXXX  XXXX Balance Owed  : {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX  XXXX Balance Owed : {$1500.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX/XXXX  XXXX Balance Owed : {$22000.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

WELLS FARGO XXXX Balance Owed : {$4200.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete Immediately. 

WF/PREFERR XXXX Balance Owed : {$8200.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. 

XXXX  XXXX  XXXX Balance Owed : {$2400.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX XXXX  XXXX Balance Owed : {$3600.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 



XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5500.00} - Please figure out precisely why the date of last reported is different from other bureaus, this is a violation. Also, give documentation to verify all the charges and credits in this claimed account that caused the maximum credit number you've exhibited in my file. My request to give these records is a standard information request according to my legal rights honored within the fair credit billing act. 

XXXX  XXXX  & XXXX  XXXX Balance Owed : {$4700.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX  XXXX  I XXXX Balance Owed : {$3400.00} - Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau.

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 2021-02-18 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
XXXX/XXXX  XXXX Balance Owed : {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX  XXXX Balance Owed : {$1500.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX/XXXX  XXXX Balance Owed : {$22000.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXX XXXX XXXX : {$4200.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete Immediately. 

XXXX/XXXX  XXXX Balance Owed : {$8200.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. 

XXXX  XXXX  XXXX Balance Owed : {$2400.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX XXXX  XXXX Balance Owed : {$3600.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 



XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5500.00} - Please figure out precisely why the date of last reported is different from other bureaus, this is a violation. Also, give documentation to verify all the charges and credits in this claimed account that caused the maximum credit number you've exhibited in my file. My request to give these records is a standard information request according to my legal rights honored within the fair credit billing act. 

FAIR COLLECTIONS & OUT XXXX Balance Owed : {$4700.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX  XXXX  I XXXX Balance Owed : {$3400.00} - Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau.

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