vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-17 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
This company is violating the Fair Credit Reporting Act. According to the FCRA, a consumer report shall not contain information solely as to transactions or experiences between the consumer and the person making the report nor shall it show any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The following accounts and balances shall be removed immediately : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
Upon checking some personal credit I discovered this company called NCA on my profile furnishing deceptive and untrue claims. I have no agreements or contractual relations with this company and really upset for the company that help furnish this on my personal credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: SC

Complaint narrative:
I discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MA

Complaint narrative:
Hi IC SYSTEMS ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
For over a year XXXX to XXXX plus and to present I have been illegally denied all access to cash out references, no equity line of credit, not allowed, no 2nd mortgage. I had perfect credit, good debt to income, current pay check, only wanted 10 % of the $ 250k equity in my house. I would have been debt free AND lowered my mortgage payment.!!!!! It was the smart thing to do. All California banks including federal credit unions denied me, all healthcare benefits are always denied both VA and the XXXX XXXX XXXX openly and in writing steal everything from me. For more than 3 years now Im 16 months behind on my mortgage cant walk no gas and the cfpb is responsible for helping them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: NC

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: SC

Complaint narrative:
I discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. 
I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 
Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17 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: FL

Complaint narrative:
i was checking my credit report and I was shocked, because of my credit score id too low. I believe that someone have my personal information. I have never applied for these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: ACIMA CREDIT, LLC
State: NJ

Complaint narrative:
Ancima credit fka simple autorize a loan to be taken out under my name and social security for a rent to own furniture store. They are now reporting late payments to my credit beaureu.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
This is regarding CFPB complaint XXXX and the PNC representative XXXX XXXX XXXX XXXX ). 

I told her multiple times that I am unable to speak over the phone and that I can communicate via email. She refuses to communicate questions and responses via email with complete disregard to the Americans with Disabilities Act. XXXX insists on communicating via phone calls. 

XXXX refuses to make any accommodations to communicate via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: SC

Complaint narrative:
I recently known the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 
Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
A bankruptcy is on my report from all 3 bureaus, XXXX, XXXX and Transunion and possibly XXXX XXXX ... .... Permission for the said bankruptcy was not authorized by the courts to place on my personal credit reports. Asked them to remove it and they response was " VERIFIED ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ADP Inc.
State: NY

Complaint narrative:
I was a victim of identity theft in XXXX of XXXX. This resulted in the majority in my online accounts being hacked and funds stolen. As of this writing, almost a year after i still have almost $ XXXX outstanding from three billion dollar companies who have failed to protect my money or made a good faith effort to return the fund. The first of these companies is payroll processor ADP. I am a registered nurse at a facility where ADP is mandatory if you want direct deposit.. A that time there was no two factor authentication on their app or web interface. As a result of this glaring security flaw the hacker was able to steal approximately {$6000.00} by replacing my checking account with another account that only he has access to. There was no call from ADP that a change was made, no email or text notification so I was totally unaware that this had happened until after the money was gone. A simple notification would have prompted me to log in and check for any discrepancies but that was not the case. Ironically the month following my incident a new vision of the payroll app called ADP totalsource was rolled out. this version now had two factor authentication. I now get a text and email when any changes are made to my payroll account. 

I reached out to the vice president of my company who in turn contacted the payroll dept but to this day have not had any remedy. i also contacted ADP via email and was contacted by a lady who basically said that's not her dept i should tell my company to contact ADP personally which they already did. There is no one to hold accountable for my {$6000.00} loss.this is money i worked hard for during the height of the Covid-19 pandemic, literally risking my life. From my perspective if my employer gives something to an intermediary and the intermediary loses it they should replace what was lost. As a result I have filed a claim in the XXXX  small claims court and have subsequently received a hearing date for XX/XX/XXXX. Apparently it is more prudent to pay attorney fees in addition to the outstanding funds. 
I have attached email correspondence of my issues plus a screenshot of the payroll screen and my bank statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have been trying since XX/XX/2021 to have SPS mortgage services help me after completion of a forbearance. Everytime I call they say still missing documents, can't read documents etc. I send them, email them, call on them over and over. I have a reinstatement demand for XXXX now. I can give them XXXX but I need them to agree to this. I wanted the balance to be put to the back of the loan they said no. No foreclosure date set yet but there is a mention of it. I get reams of letters demanding info which I send to them Please help this co has tons of suits against. I am a senior too. They never call back as they say they will. I have a relationship XXXX who when I call her extension someone else always comes having me repeat my story. They say on every call that they will send the info provided to the underwriter. That is all they will say. Tried to get ahold of their ombudsman it goes back to their phone line or their address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: NJ

Complaint narrative:
XXXX credit fka simple autorize a loan to be taken out under my name and social security for a rent to own furniture store. They are now reporting late payments to my credit beaureu.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: OR

Complaint narrative:
I contacted XXXX, XXXX and Equifax in XXXX of 2021 to ask them to properly verify information that was being shown incorrectly. The dates my account was late is entirely inaccurate. This account was closed months before the Charge off. 

I will assert my right to arbitration to remedy the credit bureau 's failure to furnish accurate information. It is my right at this point to have this information deleted from my credit report. 

If XXXX, XXXX, and Equifax fail to do their part again, I'm ready to sue in small claims court because of my legal standing under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: OR

Complaint narrative:
I contacted Experian, XXXX and XXXX in XXXX of 2021 to ask them to properly verify information that was being shown incorrectly. The dates my account was late is entirely inaccurate. This account was closed months before the Charge off. 

I will assert my right to arbitration to remedy the credit bureau 's failure to furnish accurate information. It is my right at this point to have this information deleted from my credit report. 

If Experian, XXXX, and XXXX fail to do their part again, I'm ready to sue in small claims court because of my legal standing under FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc
State: CO

Complaint narrative:
I had a phone call from Medicredit on XX/XX/XXXX saying I have a medical debt. The medical debt with XXXX XXXX XXXX XXXX was dismissed because it was misfiled with my insurance. They resubmitted it. After the initial phone call, then I get a letter to dispute within 30 days. The letter was received on XX/XX/XXXX and a phone that same day. I wrote them to cease all communications with me and that this debt was not valid. They must not keep in contact with their clients to see this. I received another phone call on XX/XX/XXXX. They did not give me notice beforehand and no 30 days to dispute and even after getting my letter, they are still calling. They are violating numerous FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Hello, I set up an automatic payment plan with Wells Fargo XXXX XXXX XXXX account ) and made the payment larger than the minimum payment due. I noticed I had a late payment the first statement. I wondered ho this happened since I set up auto pay. I called and a rep refunded the fee of XXXX. I looked at my new bill and saw a {$40.00} fee. I called and they said it was because my bank rejected the payment. I saw that instead of taking out {$150.00} on the due date, there was a XXXX payment that was taken out on the XXXX of XXXX Then there was a payment for XXXX on the XXXX of XXXX Then there was a returned payment fee of XXXX on the XXXX which baffled me because on the summary of account activity, it shows the payment of XXXX. I have more than enough in the bank to pay this bill and only had the line of credit opened in order to build credit, but am mad at myself for doing business with XXXX because I had a horrible past experience. 
When I called XXXX, I was told it was my bank 's fault and I needed to call them. It appears that Wells Fargo is back to it's past practices of scamming myself and millions of others out of their money. 
I paid off the account immediately due to my disgust and closed it but omitted the XXXX fee. I told them I am NOT going to pay this and I am going to have them investigated.

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 monetary relief
Consumer complaint received 2022-01-17 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: SC

Complaint narrative:
I discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.

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