vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-10 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: CA

Complaint narrative:
Tenant  from XXXX XXXX XXXX to XX/XX/XXXX at XXXX XXXX at XXXXXXXX XXXX XXXXXXXX in XXXX XXXX. 

Never was late on rent, paid everything on time and gave a 30 day notice to vacate. 

6 months AFTER vacating, having moved to XXXX  with my brother ( my brothers contact info was listed on my application ), XXXX of XXXX XXXX XXXX leaves message on my brothers answering machine I owe money for damages. 

XXXX of XXXX XXXX  has also fraudulently kept my entire deposit. 

XXXX of XXXX XXXX  has fradulently reported these fraudulent charges which are not mine to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX damaging my credit due to an account that and fraudulent charges that is not mine. 

XXXX of XXXX never informed me of any damages the first 30 days for I made none minus some cleaning costs incurred. 

I never ever received any mail regarding these so called damages within 5- 6 months of me moving back to XXXX  at my brothers house . Never heard nothing.

1- I am contesting all fraudulent charges. No damages of my doing were done under my tenancy nor was I notified within 14-60 days and not until aprox 5- 6 months later of damages not mine, nor my account. 

2- Landlord has a duty to notify me 2 weeks to 30 days upon move out regarding deductions of deposit and any all damages under my tenancy. That did not happen.

3- Account of damages does not belong to me.

4-This is continued harassment and fraud months after vacating XXXX XXXX, with XXXX knowing I was moving back to XXXX. 

5- XXXX harassed me during tenancy putting holes above and around my toilet, shower and above my bed I was forced to cover for my privacy. 

Please remove all fraudulent charges and negative info off my credit reports 3 bureaus report immediatley. 

This matter was removed off my credit and XXXX/XXXX  placed it back on there after I attemped to contest this matter prior. 


deduct fair charges for cleaning and other charges that may apply by code and reimburse me the rest to XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX lastly remove all and any negative marks on all 3 credit bureaus at once and not to fraudulently add these fraudulent charges back on my credit report for the 3 third time, since he has done that previously twice already.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
There is missing credit card information on my Experian Credit Report. XXXX XXXX has claimed that they are reporting this credit card to all 3 major agencies. However, it does not reflect on Experian Credit Report. Experian has claimed that they have not received a report from this creditor. Experian launched an incorrect investigation claiming that I wanted a closed account updated. However, I was looking to have this account accurately reflect on my credit file. My file should reflect that I have {$1300.00} in revolving credit and not {$1000.00} this missing credit card ending inXXXX needs to reflect properly on the Experian Credit file. Please instruct both agencies showcase the missing information.

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 2021-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Accounts, Inc.
State: AZ

Complaint narrative:
i reported fraudulent activities to my bank. bank failed to investigate. 
Bank closed my account that had negative balance due to fraud. 
Bank sold account to collections agency. 
Debt has been disputed and has found it is inaccurate however creditor continues to sell debt and post to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
XX/XX/2021, pay pal fraudulent charge on my account for XXXX dollars to a party XXXX XXXX, do not know this person. Contacted pay pal and was advised this charge was not unauthorized. This is in spite of the fact that there were numerous other attempts by this individual to collect money from my account in amounts of XXXX to XXXX dollars that my bank denied. PayPal investigators apparently don't find it suspicious that one person would receive this many transactions days apart in total amounts over XXXX from one account. It should also be noted I hardly ever use this account and it had been over a year since I used it last. This should also be suspicious. Pay pal is aiding and abetting obvious fraud to protect their reputation and assets at the expense of consumers

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-09 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX, am requested an investigation regarding method of verification item on my credit file that where being reported illegally, on XX/XX/XXXX I received a letter from you regarding investigation results the was verified as accurate. This concern me as I do not understand the reason that information still in my credit report. i request the Transunion provide a full disclosure of a Method of Verification. This request was made under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier request under FCRA 611 ( a ) filed, XXXX XXXX XXXX DL XXXX ). 

Base on that I was contacted on XX/XX/XXXX, to be inform about whos provide the public information and your consumer center agent said was inform by XXXX XXXX XXXX, have already contacted him and he sent to me the letter of I attached on this present letter. 

To be more specific, base on FCRA 611 ( a ) ( 2 ) ( b ), you were required to forward all the relevant information I provided by you to the creditor for their investigation of base in my request. The procedures for verifying records with the credit reporting agencies as Bankruptcy Court are not collection agency nor report any information to the credit reporting agencies. My lawyer XXXX XXXX XXXX said have no sent or submitted to any credit agency any information regarding this client based on that I request a method of verification. 

Whos Provide or verify de Information.

Date and Time Address Phone Number Person or Employee name Please provide me with all the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Stating that you have verified the information with the court. I contacted the court and their response in enclosed. It is clear they do not report to your or to any credit bureau for that matter ; therefore, your original response verifying the item with the court was either an error or lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. 

I called back tranunion and they informed me was a third party name XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX phone ( XXXX ) XXXX am already contact by phone the followed company they took my information to call me back and XXXX week later never happen they don't call me. 

I think Transunion and XXXX XXXX XXXX violating my consumer rights. 

Sincerely, XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX . 
XXXX, OH 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 2021-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
XXXX  XXXX  sent me to a collection account for a bill that was not mine, For mobile service, I have never had mobile service, They said someone was using my SS and name and birthdate. 
Today XX/XX/XXXX filed a police report waiting to receive a copy of police report so I can ID Theft information form back to XXXX XXXX. 

XXXX XXXX sent me to debt collector ERC.date of invoice shows XXXX. 
XX/XX/XXXX I think they started using mobile service in XX/XX/XXXX. 
XXXX  XXXX, reference # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
XXXX XXXX authorized custodian of XXXX  XXXX XXXX, successor in intrest to Citibank. 

XXXX XXXX Bill of Sale XX/XX/2020. 

these charges were for housing and student loan debt over 7 years old as a result of preadtory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: GA

Complaint narrative:
I've issued a dispute to all 3 major credit bureaus advising that XXXX XXXX account XXXX is missing payment history information and the amount is incorrect. XXXX, Equifax, and XXXX XXXX still have not removed this account from my credit report within 30 days and continue to be in violation by reporting inaccurate and incomplete accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
In 2017 I opened credit cards and used them to pay on a student loans. Shortly after I was let go from my place of employment because other employees said they didn't want me in the building with them and a mother complained I wasn't hugging her son enough during drop off. 

Because of the loss of work I was unable to make any payments on student loans, car loans and housing. 

Where my credit history shows I was making on time payments. 

It is now over 7 years sense I took on this debt to further my education a direct violation of The Individuals with Disabilities Education Act ( IDEA ) is a law that makes available a free appropriate public education to eligible children with disabilities throughout the nation and ensures special education and related services to those children. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft. There are fraudulent inquiries reporting on 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 2021-08-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America just decides that the law does not apply to them. They have violated many state and federal laws and I have a list of violations noted that I will discuss with an attorney if this account is not removed. They are reporting different dates across different bureaus, they have removed payment information and the account looks to be re-aged. I have submitted well over 10 total disputes to Bank of America, XXXX, XXXX, and XXXX  over about 18 months time. They say the information is " verified '' but that is impossible. If it was " verified '' they would see they are not reporting accurate or complete information, they would see they have deleted and re-aged payment history, and they would be able to provide me the information I ask for, but they have not. 

They have different account closed dates reporting for different bureaus, which means this information is not being reported accurately and complete as the law states. They are reporting different last payment history dates for different bureaus. They have completely taken away 2013 dates to re-age this account. They have holes in when they report so that they can re-age this account. 

All of these things are illegal and violations that warrant damages.

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 2021-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity theft, there are fraudulent inquires reporting on 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 explanation
Consumer complaint received 2021-08-10 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: DISCOVER BANK
State: CT

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : DISCOVERBANK Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
My Loan servicing was transferred from XXXX XXXX  to Suntrust sometime in XXXX and I was given less than 15 days of notice about the transfer. 

XXXX XXXX  sent me a letter on XX/XX/XXXX that my loan servicing was being transferred and told me to expect further communication from Suntrust regarding my new account number and where to make payments. They also informed me that my next payment ( which would be due in the next 10 days ) would not be accepted if I sent it to XXXX and that I would have to make payments directly to Suntrust. 

I called Suntrust before XX/XX/XXXX to make my payment, but was unable to do so because their agent told me that they did not have a loan number for me yet since the transfer process was not complete. They told me to expect a loan packet on or before XX/XX/XXXX, and I have yet to receive it. 

I have now received an email from Suntrust stating that I am late on my mortgage payment and that I will be charged late fees if I do not send them a payment by XX/XX/XXXX. I am being asked to make my payment online even though all I have received from Suntrust is the email informing me that my payment for my account ending in xxxx is late. I have emailed Suntrust back and have attempted to contact them on the phone multiple times but the line keeps getting disconnected after being on hold anywhere from 30 minutes to over an hour. 

I am not sure what to do to avoid late payment fees because my loan servicer has not sent me a loan packet, yet demands that I make payments on an account number that they have not provided me with. I am unable to set up online payments because the system requires me to provide my account number to do so. 

I know that I am stuck with my loan servicer unless they transfer the loan servicing to someone else, but am I not entitled to timely communications from my loan servicer and waiver of late payment fees that occur due to mistakes on the end of the loan servicer themselves?

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 2021-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
I have had an approved Forbearance from XX/XX/XXXX to XX/XX/XXXX. 
I was promised that when my Hardship ended my current lender would take the balance owed from my approved forbearance and I would start paying my Mortgage with whatever the new payment would be for 30 years at my current rate of 3.875 %. 
I followed all the steps that I was supposed to from my lender and now I'm ready to start paying my Mortgage and they refused to follow their own agreement. 

All I want is to start paying my Mortgage someone please help me take my home back. 


XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: GA

Complaint narrative:
I've issued a dispute to all 3 major credit bureaus advising that XXXX XXXX account XXXX is missing payment history information and the amount is incorrect. XXXX, XXXX, and Trans Union still have not removed this account from my credit report within 30 days and continue to be in violation by reporting inaccurate and incomplete 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 2021-08-10 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: GA

Complaint narrative:
I've issued a dispute to all 3 major credit bureaus advising that XXXX XXXX account XXXX is missing payment history information and the amount is incorrect. Experian, XXXX, and XXXX XXXX still have not removed this account from my credit report within 30 days and continue to be in violation by reporting inaccurate and incomplete 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 2021-08-10 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: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I am writing to dispute a Hyundai reported delinquency on my payoff of the lease-end residuals. I just want to take this opportunity to point your attention to the fact that I have 2 leases with Hyundai Financials for the entire life ( 3+ years ) of these leases I was never late with my payment. 
I was paying it off in a good faith, as arranged with their lease-end dept. representatives, who reassured me that have time to pay until charge-off of the Account, that would have happened in XXXX, 2021, when I spoke to them in XXXX and then again in XXXX. Based on that arrangement I spaced my payments to complete paying off the balance by end of XXXX. To accomplish this I was making 2 to 3 payments a month ( see below ). 
Date Received Amount XX/XX/2021 {$400.00} XX/XX/2021 {$200.00} XX/XX/2021 {$150.00} XX/XX/2021 {$150.00} XX/XX/2021 {$150.00} XX/XX/2021 {$150.00} XX/XX/2021 {$300.00} Now when I found out that my account was reported as delinquent on XX/XX/XXXX, which caused my credit score to plummet, I called again and happen to talk to the same Hyundai representatives I spoke in XXXX, but he didnt acknowledge that arrangement, and continued to state that they didnt indicate that I have time to pay until charge-off of the Account that would have happened in XXXX. They caused me financial difficulty by reporting my account as delinquent to 3 credit agencies, which caused my credit score to drop 40+paoints ( from excellent to good ). 
As a result I filed a dispute with 3 Credit Agencies : XXXX, XXXX, and XXXX  and writing to you as a consumer with an excellent credit rating to right this wrong so that I can have back my excellent credit score that I worked so hard to build and maintain for the past 15 years. They ruined me. Looking forward to the positive outcome of this complaint.

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 2021-08-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report has accounts reporting that should not be reporting on my consumer file under 15 USC 1681 and 15 USC 1681b. I have tried to communicate with these companies to resolve the problem and I have not received a response. I am suffering mentally and under the Fair Debt Collections Practice Act my rights are constantly 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 explanation