vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-26 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:
Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report. XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: CA

Complaint narrative:
Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report. XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX 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 2021-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP
State: CO

Complaint narrative:
I received a letter from the Social Security Administration stating that I owed around XXXX, due to an overpayment under my deceased father 's social security number, and that if I did not pay it back within 30 days, my SSDI would not be paid to me, until the debt was satisfied. I contacted the telephone number on the letter and was told that I had to pay it back using a personal check. My Key Bank hassle free checking account does not offer check writing ; so I opened an account at my bank that does offer check writing. I funded the account from my hassle free checking account at the same bank. I ordered checks with my ( at the time ) current address - which happened to be a hotel room that I have been staying at for several months ( after the death of my husband in XXXX, 2021 ) ; because the family home at XXXX XXXX XXXX in XXXX, XXXX  was re-modeled and sold and is part of a trust. I received the checks and then received a letter from my bank stating that my new checking account was essentially frozen, due to the Patriot Act! This is the craziest thing I have ever heard. My bank is prevented me from paying a branch of the United States government ; because my banks says the Patriot Act says that I could be either laundering money or funding terrorists. So the payment that I was about to make to the Social Security Administration was allegedly about to be made to a XXXX organization or for the benefit of a criminal enterprise? So Key Bank froze my money based upon the assumption that I was conspiring to commit a crime. This action by Key Bank violated my civil rights ; because I committed no crime, yet Key Bank froze my account anyway. All of my money comes from SSDI, a one-time death benefit from my deceased spouse 's employer, and payments from a trust. Therefore, I could not be laundering money. So that leaves " funding terrorism. '' Well, since I was attempting to pay the United States Government, I could not be " funding terrorism, '' by definition. Now the deadline has passed for me to re-pay the Social Security Administration. The bank won't let me have my money ; and I will receive NO SSDI for XXXX, XXXX, and a reduced payment for XXXX, 2021. All of this is due to the Patriot Act and my bank. I am highly disappointed in the Patriot Act ; because it is being used to harass me. Key Bank can not demonstrate that I committed a crime ; because Key Bank can not show the movement of money from my account to a single entity, except the company that printed my checks. Also, I am in the process of buying a home in XXXX  ; so I just moved out of the hotel room and have no current mailing address until I close on the home purchase, FYI.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-26 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: VA

Complaint narrative:
I have been divorced for 15 plus years from ex wife. I completed a change of address to the Post Office and she did as well. This is and has been a strain on my current marriage and has been all the while the mail has been coming to my addresses. It was one of the reason I sold my home in XXXX, was due to the mail coming to the address. My current wife never felt the home was hers, after change over change to the home. Then we moved to another county in XXXX  and mail kept on coming. I felt it was just the mail being forwarded. We didn't do a forwarding address when I moved to XXXX  and mail continued to come with my EX 's name on it. It has been very troubling and disturbing to say the least. One of the credit bureaus has been using my credit to service 3rd party information with out my consent. This has been discouraging and troubling on so many levels of my personal mental state and marriage. I have attached one of the pieces of mail. The problem is that I wouldn't have known how to attempt to fix this if I had not been introduced to the world of credit on a higher level. I know there are others like me that have been taken advantage of or don't know how. You don't know what you don't know.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: MS

Complaint narrative:
ProCollect is not willing to help anyone understand or give accurate information on any account that they have that concerns the consumer. I have been reaching out to XXXX XXXX and he always respond with the same response and has not provided any information I asked of him or XXXX XXXX. I am accused of owing them {$2400.00} as of XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX sent me an email containing inaccurate information and never responded back to my request of information. In Mississippi, Contracts, oral or written, and Promissory Notes have a statute of limitations of 3 years ( MCA 75-3-118, 75-2-725, and 15-1-49 ). As of today, XX/XX/XXXX, ProCollect is still reporting false information on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MA

Complaint narrative:
In XX/XX/XXXX, National Recovery, a debt collector on behalf of XXXX XXXX, reported to all three credit bureaus that I was in default on a debt of {$240.00}. This is not true. 

I contacted National Recovery and informed them I never lived at the address in question. I provided proof. They stated they would investigate and I should submit a dispute to the bureaus. 

I submitted the dispute XX/XX/XXXX. At the end of XX/XX/XXXX National Recovery had removed their listing from XXXX  and XXXX  yet they continued to report on XXXX. 

I sent them a 93A Demand notice via certified mail informing them of their attempts to collect a debt not owed and illegal reporting on XXXX. They refused to reply or remove the account. 

I sent them a second 93A Demand notice via certified mail XX/XX/XXXX. They again refused to reply or remove the listing from XXXX. 

I sent in two other disputes to XXXX  informing them the account is not mine. National Recovery replied to XXXX  informing them the debt was " Valid ''.

I did not live at this address during the time of the utility default. I do not owe on this account. National Recovery is attempting to collect on a fraudulent account for a debt not owed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: Social Finance, Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX, I've summited a couple of disputes through XXXX  and XXXX  's web site with no positives results, 4 years ago I entered a program with XXXX XXXX XXXX to pay off some creditors seems it help pay off my debt but there's one creditor that's not reported correctly to the credit bureau stating the loan was never paid or a lost account I've found out that the account was sold to a 2nd party and the settlement agreement was paid to them even though I have uploaded my settlement agreement letter and also another letter stating the account was paid and settle there is no changes made on my credit report with this creditor Sofi,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation
State: PA

Complaint narrative:
XX/XX/XXXX I filed a dispute with Penn Credit Corp because this account is not a collection or a charge/off and older than XXXX. It was accurate and removed from my credit. 
This account continues to be sold and added back to my credit with a different collection agency and dates of service which drops my credit score drastically. This account should not be on my credit this account keeps being sold through peopled gas since they can not file under an old account. This account is past the limitations to be on my credit. They keep selling and adding to my credit. I filed against peoples gas first XX/XX/XXXX this was removed then now added again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion has my old address on file, a place I left 12 year ago. Furthermore my credit dropped XXXX points just because I am shopping around for a car lease, looking in 4 places. I never gave my SSN to any of those dealers, regardless they manage to access my CLEAN data and after their inquires my credit report dropped XXXX points / inquiry!!! WHY??? 
I am now in a situation where instead of XXXX my CR shows XXXX and can not manage to fix this matter with them. An address change also appears on that report, it is MY OWN where I was living for the past 3 years! What is going on? 

Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: GA

Complaint narrative:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
There's a company using scare tactics to attract attention. This should be illegal. The company " Freedom Mortgage '' ( if that even exists ) printed my supposed " mortgage number '' on a direct mailer ( for all to see ) that they have closed on my mortgage, but I didn't apply for one. Someone, maybe an older individual or someone in frail health, might have a cardiac response to something that alarming. I know better, but I still think it should be reported. This is wrong. It's evil and should be illegal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: SinglePoint GI
State: IN

Complaint narrative:
My credit report continues to show a collection account for a company called General Revenue. The amount is {$790.00}. I have paid {$840.00} for the exact same thing through XXXX XXXX to pay off the creditor XXXX  XXXX XXXX. I have all receipts that I have paid this off through XXXX XXXX. 
In XX/XX/2021, I spoke to XXXX XXXX at XXXX XXXX and she said XXXX  XXXX XXXX  would be able to take small balance payments to get this paid off. That is what I started to do, once I realized the account was in collections. I paid this off in XX/XX/2021. 
Around XX/XX/XXXX I spoke to a XXXX at General Revenue XXXX when I received a statement saying I owed money to XXXX XXXX XXXX. and she gave me the information to dispute the statement that I received saying we owed the exact same thing through XXXX XXXX XXXX, although it is paid off. I disputed this through General Revenue on XX/XX/XXXX at XXXX and submitted all receipts. 
On XX/XX/2021, I called XXXX XXXX XXXX and spoke to XXXX. She said the account is paid in full through XXXX XXXX XXXX 
On XX/XX/2021 at XXXX I called Student Account Services at XXXX XXXX XXXX and the collections department said we are paid off. 

The collections account continues to pop up on my credit report although I have told General Revenue it was paid off and disputed it through the credit reporting companies. I don't know if they're trying to scam us, but the information is inaccurate. I have all of the payments that show this amount has been paid off, plus extra charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kansas Counselors, Inc.
State: KS

Complaint narrative:
I have filed a FTC report letting companies know that I was a victim of identity theft. The company KANSAS COUNSELORS INC., have not removed their account from my credit, which is linked to the identity theft. After multiple attempts, they are still reporting and are violating the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have a XXXX account with Wells Fargo Bank. 
On XXXX XXXX I had an unauthorized ACH payment for {$23000.00} processed through by business account. Someone used a XXXX XXXX XXXX XXXX  account to perform this transaction.. I finally received a text message from Wells Fargo at XXXX on XXXX XXXX. Some three business days later. All of the standard basic actions have been taken on my part with Wells Fargo. I'm now waiting on XXXX XXXX to finish their investigation and then they will report back to Wells Fargo. ( 60-120 day ) Wells Fargo have yet to explain to me why it took them 72hrs to text me a notification. When ACH payments are processed within 24hrs. 

Thanks, 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 2021-07-26 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: Continental Finance Company, LLC
State: MN

Complaint narrative:
*** THIS ACCOUNT IS CLOSED *** RE : XXXX XXXX  XXXX XXXX  XXXX/Continental Finance  CFC- Correspondence XXXX XXXX XXXX XXXX, NY XXXX XXXX This letter is to inform you that I XXXX  is showing that you are actively reporting this card payment status as Past Due 30 days with a XXXX ( {$0.00} ) dollar balance. When it should be reported as a different status as this account is currently closed. Per the credit report alert from XXXX XXXX reporting agencies is showing this is being reported to XXXX  actively. It shows I have payments made and late in XXXX and XXXX. How could this be when this account was closed in XXXX of XXXX. 



I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation to have this updated in a timely matter as outlined in the FCRA Section 623 : [ Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. Please see the attached document from XXXX XXXX who states they receive all active information from XXXX, I have spoken with XXXX  who is advising this is being furnished actively by you, even though this account is closed with a XXXX  balance. Please update the payment status from 30 days Past Due to either Paid Collection Paid Settled or the proper payment status that fits this account being paid off. I am asking and requesting for a full research and investigation into why XXXX XXXX  and XXXX  still shows this as being actively reported when it is closed and paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: MN

Complaint narrative:
*** THIS ACCOUNT IS CLOSED XXXX** RE : XXXX XXXX  XXXX XXXX  XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX This letter is to inform you that I Transunion is showing that you are actively reporting this card payment status as Past Due 30 days with a XXXX ( {$0.00} ) dollar balance. When it should be reported as a different status as this account is currently closed. Per the credit report alert from XXXX XXXX reporting agencies is showing this is being reported to Transunion actively. It shows I have payments made and late in XXXX and XXXX. How could this be when this account was closed in XXXX of XXXX. 



I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation to have this updated in a timely matter as outlined in the FCRA Section 623 : [ Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. Please see the attached document from XXXX XXXX who states they receive all active information from XXXX, I have spoken with Transunion who is advising this is being furnished actively by you, even though this account is closed with a XXXX  balance. Please update the payment status from 30 days Past Due to either Paid Collection Paid Settled or the proper payment status that fits this account being paid off. I am asking and requesting for a full research and investigation into why XXXX XXXX  and Transunion still shows this as being actively reported when it is closed and paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: TX

Complaint narrative:
On several occasions I have reached out to XXXX, XXXX  and Transunion and these people are not doing any investigations whatsoever and we can no longer blame it on COVID.. I need my disputes investigated today because by law they have 30 days to investigate my negative items that I am disputing here ... Please delete. 

XXXX  XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX- XXXX-Unverfiied Account XXXX  XXXX  XXXX Not my account XXXX XXXX  XXXX Not my account XXXX XXXX  XXXX-XXXX- Unverified account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX- XXXX Unverified Account XXXX XXXX XXXX-XXXX-Unverified Account XXXX XXXX XXXX- XXXX-Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XX/XX/1980

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: TradeStation Group, Inc.
State: NY

Complaint narrative:
I had contacted a bitcoin broker. They claimed that they will would trade my funds and make a decent profit. They claimed that i need to invest additional money which would yield a larger return and cover the fees to cash out the money from my account. At this point i sent {$800.00} to invest. I was then told that the transfer into my account failed and they claim i would need to pay an additional {$1000.00} in fees and would yield a really big return. At this point i realize this is a scam and did not send additional money. They kept trying to push for me to send them money. I kept asking for my initial investment to be returned and to take the fees out of my profit. At which point i was told that they could not do that. It is not their policy. They kept trying to convince me that this isnt a scam and to provide them extra funds and it would be worth my while. I kept asking for my initial amount back and was told no. I dont want anyone else to fall into this trap.

Company response to consumer: Closed with explanation